What is a common coverage excluded under OAP1 or CGL?

A garage policy is typically not an exclusion under the Ontario Automobile Policy (OAP1) or Commercial General Liability (CGL) insurance, but rather represents a distinct type of coverage tailored for auto repair shops and similar businesses. The policy addresses the unique risks associated with automotive services, including coverage for vehicles in the care of the insured.

In contrast, the other options highlight common exclusions or aspects not universally covered under these policies. For example, property liability may not be included in certain scenarios or policies, bodily injury coverage may have specific limitations, and personal property might be addressed differently depending on the context of the coverage. Understanding these nuances is crucial for properly assessing coverage needs and limitations. Thus, the garage policy doesn't fit the question's criteria as a common exclusion.