Final answer:
In the context of the Watercraft Liability endorsement, a guest of the insured would be covered under Coverages E and F for injuries. Coverage E provides liability protection, while Coverage F pays medical expenses. Other individuals listed might not be covered, as liability insurance typically covers third parties. Option B is correct.
Step-by-step explanation:
Under the Watercraft Liability endorsement, an injury to a guest of the insured would be covered under Coverages E (Personal Liability) and F (Medical Payments to Others). Coverage E protects the insured against financial loss if they are legally responsible for causing bodily injury or property damage to others. Coverage F provides payment for medical or funeral expenses incurred by someone injured on your property or by your activities, without regard to legal liability.
To elaborate, here's how coverage generally applies to the individuals listed:
A person who was renting the watercraft from the insured would typically have their own insurance or be covered by the rental agreement and not by the insured's policy.
A guest of the insured would likely be covered, assuming they are using the watercraft with the permission of the insured and are not paying for its use.
The insured is generally not covered for their own injuries under these coverages because liability insurance is meant to cover third parties, not the policyholder.
An employee hired to operate the watercraft might not be covered under a standard policy and might instead be covered under a commercial policy or workers' compensation depending on the circumstances.