Owners and operators of automotive service businesses have specialized insurance needs. The reason for these specialized needs is self-evident; no other industry has its premises and operations so closely intertwined with automobiles. Automotive service concerns have inherently dangerous materials on the premises and potentially hazardous operations, such as welding, may be performed. Additionally, the value of automobiles gives rise to potentially large physical damage claims against persons responsible for servicing or repairing them; and because many of the services performed on autos involve safety, possible liabilities are numerous. Consequently, the inspection and treatment of exposures suitable to other operations is inadequate for insured’s in the automotive field.