What does an Individual Named Insured endorsement add to a commercial auto policy?

The Individual Named Insured endorsement enhances a commercial auto policy by broadening the definition of who is covered under the policy. Specifically, it includes the insured's spouse within the definition of "You." This addition is significant because it ensures that both the named insured and their spouse are covered under the policy for any incidents that may arise while using the covered vehicles for both business and personal purposes.

This endorsement is valuable for business owners who want to ensure that their spouse is also protected while using the commercial vehicles, which might not be the case without this specific endorsement. By clarifying the relationship under the policy, it helps facilitate coverage for both parties, alleviating potential gaps where the spouse might not be protected when operating business vehicles.

The other options do not accurately capture the primary benefit provided by the Individual Named Insured endorsement. Limiting coverage to business vehicles or excluding personal use vehicles does not align with its purpose of extending coverage to one's spouse. Similarly, adding coverage for only business-related accidents does not represent the intent behind this endorsement, which covers a broader scope.