What is the difference between Garagekeepers Insurance and garage liability coverage?

Garagekeepers Insurance and Garage Liability Coverage are two different types of insurance policies, each serving distinct purposes and protecting against different risks. Here are the key differences between these two types of coverage:

Garagekeepers Insurance:

Coverage Focus: Garagekeepers Insurance is designed to protect businesses that take custody of customers' vehicles and protects them against any physical damage to any vehicle while in their care, custody and control.

Coverage Scenarios: Garagekeepers Insurance typically covers damage caused by collisions and/or comprehensive events such as theft, vandalism, fire, etc..

Garage Liability Coverage:

Coverage Focus: Garage Liability Coverage is a form of General Liability Insurance designed for businesses in the automotive industry. It covers liabilities associated with the business's operations, such as slip-and-fall accidents, advertising injuries, bodily injury and property damage.

Coverage Scenarios: Garage Liability Coverage typically covers bodily injury and property damage claims, contractual liabilities, and advertising injuries. It does not provide protection against damage, theft, or loss of customers' vehicles.