If the employee rents a car, he can do so either in his own name or in the name of the employer. If the employee rents a car in his own name for the employer's business purposes, the situation is the same as described previously with the employee using his own car, except for the fact that the PAP is considered excess insurance over any other collectible insurance since the rented vehicle is not owned by the named insured.

If the employee rents a car in the name of the employer, symbol 8 of the employer's BAP then comes into play. This symbol describes autos that are hired or rented by the named insured; therefore, the employer as named insured has liability coverage for the use of the rented car. The employee will also be considered an insured under the BAP since he is using a covered auto with the permission of the named insured employer; the terms of the definition of “insured” are met in that instance because the covered auto is rented by the named insured and the employee does not own the rented car. If the employee rents a car in the employer's name, the personal auto policy of the employee will also provide liability coverage to the employee since he is an insured for the use of any auto. However, the PAP will not provide coverage for the employer. The definition of “insured” under the PAP includes, for any auto other than a covered auto, any organization with respect to legal responsibility for acts or omissions of the named insured; however, this provision applies only if the organization does not own or hire the auto. If the auto is rented in the named of the employer, the organization has hired the auto. Since a nonowned auto is involved here, both the BAP and the PAP are considered excess over any other collectible insurance