A

The completed operations liability coverage of an unendorsed ISO commercial general liability form will cover the described motor vehicle repair exposure. The motor vehicle exclusion that is on the CGL policy refers only to damages arising from autos that are owned, operated by, rented, or loaned to any insured. That description does not apply to a vehicle owned and operated by another entity after the insured has finished working on it and it is out of the insured's control.

If an underwriter wanted to limit coverage for completed operations with regard to the repair of automobiles, the motor vehicle exclusion would be one place to do it. For example, the last sentence in the first paragraph of exclusion g., aircraft, auto or watercraft, of the ISO CGL policy could be changed to read, “Use includes operation, mechanical repair or adjustment of and 'loading or unloading'. “There is no standard wording to effect such an exclusion, probably because the drafters recognize that there is no value to a completed operations liability coverage that does not provide protection for all the insured's completed operations, subject, of course, to normal policy exclusions.

An underwriter also could restrict coverage for this type of repair work by attaching the following ISO exclusions: CG 21 04 11 85 — products/completed operations hazard; CG 21 34 01 87 — designated work. Either of these exclusions could be written with the repair work named as the excluded activity. Finally, a manuscript endorsement also could be drafted to restrict coverage for this type of operation.