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The Non-Owned Automobile Insurance Form (O.P.F./O.A.P. #6) is designed specifically to provide coverage for situations where employees use their own vehicles while conducting business on behalf of their employer. This form is critical because it protects the employer from liability in the event that an employee causes an accident while using their own vehicle for work purposes.

In such situations, the employee's personal automobile insurance would generally be primary when it comes to coverage in the event of an accident. However, the employer may still be held responsible for liabilities arising out of the employee's use of their personal vehicle while performing job duties. The Non-Owned Automobile Insurance Form bridges this gap by extending coverage to the employer for such scenarios.

The other options do not align with the purpose of this form. An employer's vehicles (whether owned by the employer or vehicles owned by employees being used for business purposes) are typically covered under different insurance provisions. Additionally, employees driving vehicles owned by their employer would not require a non-owned coverage form, as their employer's insurance would be in effect.