This term signifies an auto that is neither owned, hired, nor borrowed by the insured under a commercial auto policy. Employees’ cars used in company business are commonly classified this way. The employer’s auto liability cover for use of non-owned autos is covered by entry of symbol 1 ("any auto") or symbol 9 ("non-owned autos") on the declarations page.

Any autos not owned, leased, hired or borrowed.

Liability coverage an employer is exposed to when an employee is driving another employer's auto or an employee's personal auto.

A borrowed or rented automobile