All of the Following Are Insured Persons Under the Liability

All of the following are insured persons under the liability coverage of the PAP EXCEPT

A) a friend to whom the named insured loans a covered auto.
B) the employer of the named insured for actions resulting from the named insured's use of a covered auto.
C) the former spouse of the named insured who moved out of the home 2 years ago when the divorce was finalized.
D) a relative of the named insured if a member of the same household.