Auto Exclusion, the CGL Form, and Auto Repair

This claim situation occurred when our insured, an auto repair shop, installed an incorrect oil filter while performing an oil change on a customer's vehicle. After the vehicle was released to the customer, the oil leaked out and the engine locked up and was damaged. We have a disagreement in the office as to the applicability of exclusion g., the auto exclusion under the CGL form. Some of us believe that this claim is a simple case of products/completed operations coverage and that the auto exclusion does not apply since the auto in question was not owned or operated by or rented or loaned to any insured. Others say that the key word in the exclusion is “any” and that the owned or operated by or rented or loaned to language is not relevant. This side of the disagreement feels that this is a case of the maintenance of any auto and so, exclusion g. applies. May we have your opinion?

Ohio Subscriber