The central liability insurance agreement of the garage coverage form is basically the same as other general liability policies. The insurance company promises to pay up to policy limits in response to the legal liability of the insured because of bodily injury or property damage occurring while the policy is in force.
Another of the garage form’s liability insuring agreements is the insurers promise to pay all sums that an insured legally must pay as a covered pollution cost or expense. The cause must be accidental and result from garage operations involving the ownership, maintenance, or use of covered autos. Basically, this insuring agreement deals with certain clean up costs that the insured has to pay in response to the accidental release or dispersal of pollutants from a vehicle’s operating systems or by an off premises auto accident.