Which of the following is not automatically included in a Garage Coverage Form?

The correct answer is that contractual liability is not automatically included in a Garage Coverage Form. The Garage Coverage Form is primarily designed for businesses engaged in selling, servicing, or maintaining vehicles, and it provides various types of coverages essential for such operations.

Garagekeepers Coverage, for instance, is specifically included in the Garage Coverage Form to protect against damage to customers' vehicles while in the care of the garage. The mandatory $100 deductible for Completed Operations losses is typically part of the coverage to manage risk related to work performed after a vehicle is serviced. Premises liability coverage is also generally included, as businesses need protection against bodily injury or property damage occurring on their premises.

Contractual liability, however, involves coverage related to obligations assumed under contract and is not automatically included in this form. Businesses may need to add this coverage separately through endorsements or additional policies to be fully protected against liabilities incurred through contractual agreements with clients or vendors in the course of their operations. This distinction is important for understanding what is standard in the coverage options provided by a Garage Coverage Form versus what must be designated or requested separately.