What is included in the definition of "non-owned autos"?

The definition of "non-owned autos" typically includes those vehicles that are not owned by the insured but are used in the course of business. Under insurance terminology, employee-owned autos utilized for business activities are considered "non-owned" because the business does not hold the title or ownership of those vehicles. This inclusion offers liability coverage for incidents that occur while employees use their personal vehicles for business purposes, ensuring that the business is protected from potential financial losses.

In this context, vehicles rented for personal use and those specially built for business can fall under different coverage classifications and does not align with the definition of "non-owned autos." Similarly, autos owned by the business would not be considered non-owned, as they are directly titled to the business and would usually be covered under a different policy that addresses owned vehicles specifically.