Who can be added to the named insured's policy?

An additional insured added by an endorsement is the correct choice because insurance policies allow the named insured to add others to their policy through specific endorsements. This formal agreement extends coverage to additional individuals or entities, which can be crucial for various reasons, such as when a landlord requires tenants to list them on their insurance policy or when a business needs to ensure coverage for subcontractors. This process is defined and documented, ensuring that these additional insured parties are protected under the same provisions that apply to the named insured.

The other options do not accurately reflect how individuals can be added to a named insured's policy. Simply being a person who has filed a claim does not grant automatic eligibility to be added as an insured party. Family members may be covered under certain policies, but this inclusion is not exclusive or automatic for all family situations. Similarly, employees might have coverage through a commercial policy if they are engaging in business activities, but the personal lines policy primarily focuses on insuring individuals and their immediate family rather than employees.