Which endorsement provides coverage for a named individual without an automobile?

The named non-owner coverage endorsement is specifically designed to provide liability protection for individuals who do not own a vehicle but still need insurance coverage for driving. This type of endorsement allows a person to be covered for bodily injury and property damage they may cause to others while driving a vehicle they do not own. It is particularly useful for individuals who frequently drive rental cars or borrow vehicles from friends or family.

This endorsement does not include physical damage coverage for vehicles—since the individual does not own a vehicle, it isn't applicable. However, it does address the liability exposure that arises when they are driving someone else's vehicle. This is crucial for someone without a personal auto policy, ensuring that they remain compliant with legal requirements for liability coverage.