Which of the following would be considered an insured under a business auto coverage form?

Under a business auto coverage form, the definition of an "insured" is critical to understanding how insurance coverage applies in various situations. The correct choice identifies anyone using a covered auto owned by the named insured as an insured under the policy. This includes employees, customers, and any other individuals who have permission to use the vehicle for the purposes outlined in the coverage form.

This principle is rooted in the nature of business auto insurance, which is designed to protect vehicles owned by businesses and those who use them in conjunction with business operations. The inclusion of this clause is essential, as it ensures that the business is covered if someone other than the named insured is operating a vehicle that the business owns, provided they have been granted permission to do so.

In contrast, while some other options may seem reasonable at first, they fall short of the specific coverage parameters set forth in a business auto insurance policy. Personal vehicles driven by employees generally do not fall under the business auto coverage unless there's a specific provision in the policy. Non-employee helpers might not be explicitly covered because their use of the vehicle needs to be tied to a business purpose and established by the policy. Likewise, immediate family members would not be included unless explicitly mentioned in the policy terms, as coverage can often