A standard commercial general liability policy usually does not cover damage to vehicles not belonging to the insured party. It also may not cover bodily injury and property damage that occurs as part of garage business operations.

Garage liability insurance fills in one part of the gap in coverage to protect garage business owners when third party bodily injury and property damage occurs.

Garage keepers insurance fills in an additional gap in coverage to protect business owners when a customers vehicle is stolen or damaged while in their care.