What endorsement can be added to an employee's personal auto policy if they are covered under the employer's auto policy?

The endorsement that can be added to an employee's personal auto policy when they are also covered under their employer's auto policy is identified as PP 05 92. This endorsement is typically known as the "Drive Other Car Coverage" endorsement, which provides an employee with the ability to extend coverage to a personal vehicle when they are using it for personal reasons while also being insured under the employer's auto policy.

This is important because it ensures that an employee has the necessary liability protection when driving their own vehicle, even if they are also covered by their employer's insurance during work-related activities. It helps to fill gaps in coverage that might exist during personal use, given that personal auto policies and employer policies can have different coverage scopes and limits.

The other endorsements referenced do not specifically serve this purpose in the context of providing additional coverage for personal vehicles under these circumstances. Thus, PP 05 92 correctly addresses the unique situation where an employee might need to blend personal auto coverage with their employer's policy.