The garage coverage form excludes coverage for which of the following?

The exclusion of underinsured motorists coverage in the garage coverage form is due to the specific nature of the form, which primarily focuses on the liabilities and property related to the garage operation itself, rather than personal or bodily injury liabilities that might arise from underinsurance on the part of motorists.

Garage coverage forms are designed to address the unique exposures that businesses operating garages face, such as liability for vehicles under their care, damage to the property where these vehicles are serviced, and completed operations for services rendered. Underinsured motorist coverage, however, is designed to protect individuals from losses caused by drivers who do not have enough insurance to cover their damages. This type of coverage is generally part of personal auto insurance policies rather than commercial garage insurance, which is what the garage coverage form pertains to.

By excluding underinsured motorists coverage, the garage coverage form effectively delineates between vehicle service-related liabilities and personal auto liability coverage, ensuring that the form remains focused on the commercial risks associated with operating a garage, rather than personal injury protection that should be handled by standard auto insurance policies.