Which type of coverage would help protect Acme Surplus from losses incurred by a delivery driver running a stop sign?

The correct answer is employer liability insurance, as it provides coverage for businesses against claims made by employees for work-related injuries or damages. In the context of the delivery driver running a stop sign, if the driver is working for Acme Surplus at the time of the accident, employer liability insurance would cover the financial loss the company faces due to the actions of the driver while performing their job duties. This coverage is crucial for businesses that rely on employees to operate vehicles in the course of their work, as it helps shield them from legal and financial repercussions stemming from accidents related to employee actions.

The other options do not provide the necessary coverage in this scenario. Daryl's auto liability insurance would only cover Daryl's personal liability in an accident, not the company's liability. Personal auto liability insurance is for individual drivers and would not apply to a business entity like Acme Surplus. Personal liability insurance typically covers general liabilities that an individual might face, such as property damage or bodily injury claims, but it does not extend to incidents involving business operations. Thus, employer liability insurance is the most appropriate choice for protecting Acme Surplus in this situation.