GKLL Coverage under Symbol 30

December 5, 2013

Our insured is an auto shop with a garage policy. The insured has garage operations coverage and symbols 28, 29, 32 for liability. However the insured does not have GKLL coverage or symbol 30. The insured was working on a customer's vehicle when the vehicle caught fire. Specifically, the vehicle was on a lift and the insured was installing a trailer hitch when the vehicle caught fire. Would there be coverage for the customer's vehicle on this garage policy, or does the insured need GKLL or symbol 30?