"Garage Operations"

Garage operations takes in:

1. the ownership, maintenance, or use of locations -- including roads and access ways -- for garage business,
2. of covered autos, and
3. all operations that are either necessary or incidental to a garage business.

Premises liability protection is stipulated in the promise to cover claims for bodily injury or property damage that accidentally results from the ownership, maintenance or use of locations for garage business. Consequently, injury or damage arising out of the condition of the premises at a garage location is covered. Expanding, remodeling, or rebuilding a structure used to house the garage business is one such operation and the garage policy insured has coverage for liability arising out of the acts of contractors or for the insured’s own supervision of any such project.