What endorsement can Homer add to his BAP to use non-owned cars for personal use?

The appropriate endorsement for Homer to add to his Business Auto Policy (BAP) to cover non-owned cars for personal use is Drive Other Car coverage. This endorsement extends liability coverage to the individual when driving a vehicle that is not owned by the business but being used for personal purposes.

By including this coverage, Homer can ensure that he has protection when he operates vehicles that are not part of the fleet covered under his BAP. This is especially useful for individuals who occasionally use rental cars or borrow vehicles from friends or family, as it provides peace of mind knowing he is covered for any potential liabilities that may arise during such use.

The other options do not provide the same level of personal coverage for non-owned vehicles that Homer may drive. Employees as insureds primarily covers employees driving company-owned vehicles for business purposes. Individual named insured focuses on coverage for an individual rather than additional vehicles for personal use. Hired autos would only apply to vehicles that are rented or leased rather than ones owned by others for personal use. Thus, Drive Other Car coverage is specifically designed to fill the gap for such situations.