A restaurant valet parking a guest's covered auto backs it into a parked pickup. Under the car owner's personal auto policy, the valet is:

Explicación

Part A withholds coverage from any person while employed or otherwise engaged in the business of selling, repairing, servicing, storing or parking vehicles, so the valet gets nothing from the car owner's policy. The restaurant's garage and garagekeepers coverage is what responds. Handing over the keys does not defeat that exclusion, and the exclusion is about the parking business, not about who is in the family.