Under a personal auto policy, which of the following persons would be excluded from coverage for bodily injury and property damage liability?

An employee of the named insured, while transporting passengers for a fee.

The named insured's spouse who resides in the same household as the insured.

Any person using the car with the permission of the insured.

Any person legally responsible for the use of the automobile with the insured's permission.

Answer: An employee of the named insured, while transporting passengers for a fee.