What it covers
Garage liability responds when your shop’s operations cause bodily injury or property damage to someone else — a customer who slips in the bay, damage caused during a repair, or a claim arising from the premises. Limits of $1M each accident / $3M aggregate, with higher limits available, subject to appetite.
Where it stops
Garage liability is not the coverage for physical damage to a customer’s vehicle in your care — that’s garagekeepers, a separate line. It also doesn’t cover your own tools (tools and equipment) or injured employees (workers’ comp). Coverage is governed solely by the terms of the issued policy.