Which sentence best defines the purpose of nonowned liability coverage endorsement to the PAP?

Question $15$ options:

$1)$

To provide liability coverage for anyone who loans a covered auto to another driver

$2)$

To provide liability coverage for an insured's employer when an insured uses his or her vehicle for business purposes

$3)$

To provide liability coverage for an insured who occasionally operates a nonowned auto

$4)$

To provide liability coverage for an insured who operates a nonowned vehicle on a regular basis