August 13, 2012

I have a question with regard to False Pretense Coverage in a situation wherein the exposures of a parking garage or similar service risk for voluntary parting by trick to an unauthorized person are not covered by a garage policy. In this situation, the insurance coverages are provided by a general liability policy and a business auto policy with the garagekeepers endorsement. There is no exclusion for voluntary parting or false pretense under the comprehensive coverage provided by the GKLL endorsement as there is in the garage form. Is the intent to cover this exposure for these types of risks?

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