A named-operator policy is often also called a non-owner policy. It is written when the insured needs coverage only for his personal operation of a vehicle not owned by him or a family member.
Another reason people get this type of policy is if you are in need of a required liability policy to get an SR22 filed with the state but do not own a vehicle. You can read more about an SR-22 in our related questions.
If you need this type of liability insurance, it only covers the named insured while driving vehicles. In most states a non-owner policy contains Bodily Injury Liability and Property Damage Liability. Depending on the type of coverage you choose for your policy, the policy will cover you up to the limits you choose.
We are not able to offer non-owners insurance in every state online but if we can on the vehicle screen it will have the option of choosing "Check this box if you do not own a vehicle and would like to purchase a non-owners policy." Get started your affordable car insurance quote here.