Garage Liability Insurance — Coverage, Cost & Requirements

Garage liability insurance is a specialized commercial policy designed for businesses that work on, store, or sell vehicles. Unlike standard general liability, it covers third-party claims arising from your auto service operations — including damage to customer vehicles in your care, custody, or control (garagekeepers), bodily injury on your premises, and completed operations liability for repairs gone wrong. Any shop performing mechanical work, detailing, body repair, or vehicle storage needs garage liability — standard GL policies typically exclude auto service operations entirely.