Lawnmower Is Mobile Equipment

July 8, 2014

The insured is lawnmower repair company. The insured went to a customer's home to pick up his riding lawnmower. The insured backed his truck/trailer up to load the mower. The insured got on the riding lawnmower and put it in drive. The mower went in reverse through the garage door damaging it. Does this fall under exclusion g. Aircraft, Auto or Watercraft under the 9S 2001 4-99 regarding loading and unloading? Also is the mower considered a mechanical device? Lastly, would it fall under subsection A. of the definition of mobile equipment?

Georgia Subscriber

Exclusion g. Aircraft, Auto, or Watercraft is for autos. A riding lawnmower is not an auto. By definition, the lawnmower is mobile equipment. So, in this instance, if the insured is liable for the damage to the garage door, there is no exclusion to prevent coverage. Any damage to the mower itself is not covered due to the care, custody, or control exclusion.

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