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What is a non-owned automobile in insurance?

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What is a non-owned automobile in insurance?

Enquiry is from remco insurance topic

The question was posed to me in an international level competition.

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What is non-owned automobile?

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Correct answer is: What Does Non-Owned Auto Coverage Cover? Non-owned vehicles are personal cars that your business doesn't own, lease or hire. Non-owned auto coverage helps provide liability protection if a vehicle you haven't leased, hired or rented is driven for your business and is in an accident.

The title of my answer can be Hired and Non-Owned Auto Coverage | HNOA | The Hartford

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