Which of the following would be excluded from a commercial auto policy?

A commercial auto policy is designed primarily to cover vehicles used for business purposes, and it includes coverage for various risks associated with business vehicle use. However, it does have specific exclusions that are critical to understand.

The correct answer highlights that losses attributable to employee negligence are generally not covered under a commercial auto policy. This is because employee negligence can often fall under the realm of employer liability, which is typically addressed through employment practices liability or workers' compensation insurance rather than through an auto policy. Negligence claims related to employment may require a specific type of coverage to handle the liability created by an employee's actions while performing their duties.

On the other hand, the other options involve situations that could be misunderstood but are more likely to be covered or not excluded outright under a commercial auto policy. Damage to rental vehicles may be covered if the rental is necessary for business operations, and vehicle theft outside of business operations could also be included, depending on the policy provisions and context of use. Theft of personal items within the vehicle, while not typically covered in standard auto policies, is more related to personal property and could be subject to separate coverage under homeowners or renters insurance, but it does not pertain directly to the vehicle itself and would not usually be an exclusion from the