Question

With respect to commercial auto policies, the Garage Coverage Form provides liability protection for all of the following EXCEPT

Answer 1

The Garage Coverage Form provides liability protection in commercial auto policies for premises, products, and completed operations, but typically excludes coverage for employee injuries, which are covered by workers' compensation instead.

Step-by-step explanation:

Regarding commercial auto policies, the Garage Coverage Form typically provides liability protection for auto dealers, including service operations, repair shops, and garages. However, this coverage form does not generally protect against employee injuries. Employees are usually covered under workers' compensation insurance. The coverage usually includes protection for premises liability, products liability, and completed operations liability.

It is important for businesses to carefully review their specific garage coverage policy to understand inclusions and exclusions and ensure they have the necessary protections for their operations. Examples of excluded circumstances could include intentional damage, contractual liabilities, and pollution, illustrating why policies should be closely examined.