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BUSINESSOWNERS 3. "Work you performed" includes work that someone performed for you. 4. "Loss" means direct and accidental loss or damage and includes any resulting loss of use. B. WE WILL PAY 1. We will pay all sums the insured legally must pay as damages for "loss" to a "customer's auto" or "customer's auto" equipment left in the insured's care while the insured is attend- ing, servicing, repairing, parking or storing it in your "garage operations" under: a. Comprehensive Coverage. From any cause except: (1) The "customer's auto" collision with another object; or (2) The "customer's auto" overturn. b. Collision Coverage. Caused by: (1) The "customer's auto" collision with another object; or (2) The "customer's auto" overturn. 2. We will have the right and duty to defend any insured against a "suit" seeking these dam- ages. However, we have no duty to defend any insured against a "suit" seeking damages for "loss" to which this insurance does not apply. We may investigate and settle any claim or "suit" as we consider appropriate. Our duty to defend or settle ends for a cover- age when the Limit of Insurance for that cov- erage has been exhausted by payment of judgments or settlements. C. WE WILL NOT COVER — EXCLUSIONS 1. This insurance does not apply to any of the following: a. Contractual Operations. Liability result- ing from any contract or agreement by which the insured accepts responsibility for "loss". b. Theft. "Loss" due to theft or conversion caused in any way by you, your "employ- ees", or by your partners, members, di- rectors or shareholders. c. Defective Parts. Defective parts or mate- rials. d. Faulty Work. Faulty "work you per- formed". 2. We will not pay for "loss" to any of the follow- ing: a. Tape decks or other sound reproducing equipment unless permanently installed in a "customer's auto". b. Tapes, records or other sound reproduc- ing devices designed for use with sound reproducing equipment. c. Sound receiving equipment designed for use as a citizens' band radio, two-way mobile radio or telephone or scanning monitor receiver, including its antennas and other accessories, unless perma- nently installed in the dash or console opening normally used by the "customer's auto" manufacturer for the installation of a radio. d. Equipment designed or used for the de- tection or location of radar. D. WHO IS AN INSURED The following are insureds for "loss" to "cus- tomer's autos": 1. You. 2. Your partners, "employees", directors or shareholders while acting within the scope of their duties as such. 3. If you are designated in the Declarations as an individual, your spouse is an insured, but only with respect to the conduct of a business of which you are the sole owner. 4. If you are designated in the Declarations a partnership or joint venture, your members, partners and their spouses are also insureds, but only with respect to the conduct of your business. 5. A limited liability company, you are an in- sured. Your members are also insureds, but only with respect to the conduct of your busi- ness. Your managers are insureds, but only with respect to their duties as your managers. 6. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. E. LIMIT OF INSURANCE AND DEDUCTIBLE 1. Regardless of the number of "customer's autos", insureds, premiums paid, claims made or "suits" brought, the most we will pay for each "loss" at each location is the Ga- ragekeepers Coverage Limit of Insurance shown in the Schedule above for that location minus the applicable deductibles for "loss" caused by collision, theft or mischief or van- dalism. Page 2 of 3 Copyright, The Travelers Indemnity Company, 2003 MP T3 03 11 03 Includes copyrighted material of Insurance Services Office, Inc., with its permission.