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

a relative of the named insured if a member of the same household.

the employer of the named insured for actions resulting from the named insured's use of a covered

auto.

the former spouse of the named insured who moved out of the home $2$ years ago when the divorce

was finalized.

a friend to whom the named insured loans a covered auto.