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Highly Specialized Coverage Form

Summary: Few businesses have had the special attention from insurers as have those dealing with automobiles. Most businesses are offered general forms to adapt to their particular liability, automobile, and property coverage needs, but automobile dealerships have long been accustomed to insurance forms especially designed for their use. The reason for this is that no other businesses have their premises and operations or property exposures so closely intertwined with automobiles. Consequently, the separation of exposures that is suitable to the insurance needs of others is not adequate for those in the automobile business.

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