Your policy does not cover non-owned autos for auto liability insurance by default. This is an additional coverage that must be added. Your insurance agent should ask the write questions to identify whether you need non-owned auto coverage. Like trailer interchange, non-owned auto covers semi-tractors, employee personal vehicles, additional equipment or other possible power equipment not owned by the company but used randomly or frequently for your business. Like hired auto, since most policies are on a “scheduled auto only” basis, non-owned auto coverage broadens the policy to include liability insurance non-owned autos. In contrast to trailer interchange which only covers the trailer, non-owned autos will also cover autos that are not owned by you.