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In the liability coverage of the garage policy (similar to that in the CGL), there is a contractual liability exclusion. However, the exclusion doesn't apply to 'liability for damages...[t]hat the 'insured' would have in the absence of the contract or agreement.' Now take a look at the contractual liability exclusion in the garagekeepers portion of the policy...but before you do, make sure you're sitting down.
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