Opinion ID: 2518484
Heading Depth: 2
Heading Rank: 3

Heading: The CGL Policy

Text: At the time of the accident, Aloha State had a CGL policy with Northfield. This same CGL policy also listed OTS as an additional insured party. However, although OTS was listed as an additional insured, the CGL policy covered OTS only with respect to liability arising out of [Aloha State's] operations or premises owned by or rented to [Aloha State]. [2] The CGL policy provided that Northfield will pay those sums that the insured becomes legally obligated to pay as damages because of `bodily injury' or `property damage' to which this insurance applies. [3] The policy also contained the following exclusion, which is the focus of the instant case: This insurance does not apply to: . . . . Bodily injury or property damage arising out of the ownership, maintenance, use or entrustment to others of any aircraft, auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading.[ [4] ] (This exclusion will hereinafter be referred to as the CGL automobile exclusion.)