What type of additional insured does a nonfamily rider typically cover?

The correct answer is business partners, as a nonfamily rider is specifically designed to extend coverage to individuals who are not family members but have a specific relationship with the insured, such as business associates. This type of rider is commonly used to include key individuals in business settings, providing coverage for partners who may be crucial to the operation and financial stability of the business.

In contrast, dependents, spouses, and close relatives are typically covered under general health insurance policies or family riders, which aim to include family members and immediate dependents rather than associates connected through business ties. The focus of a nonfamily rider is on business relationships, reflecting the need for financial protection for partners who may be heavily invested in a business together. This understanding is critical for recognizing how different riders broaden the scope of insurance coverage.