What it does
Schedules low-speed vehicles (as defined in the endorsement) for PAP coverages.
Who needs it
Owners of low-speed vehicles used in communities that allow them on public roads.
Quoting and selling notes
- Golf carts used only on the residence premises may be covered under the homeowners policy instead.
How PAP endorsements attach
PAP endorsements modify PP 00 01 and are listed on the declarations (PP DS 01). In the 2018 revision ISO also made editorial changes across the multistate endorsements, including a statement that schedule information not shown on the endorsement will be shown in the declarations, so check the declarations page for limits, vehicles and named persons.
Editions and availability
Current edition 09 18, replacing 04 11. State adoption varies; many states use state-specific versions of the PAP endorsements.
