Which type of coverage would be crucial for garages handling customer vehicles?

Garage-Keepers Insurance is specifically designed to provide coverage for garages or businesses that store or service customer vehicles. This type of insurance protects against risks associated with the care, custody, and control of vehicles belonging to customers while they are in the garage's possession. It covers potential damages to these vehicles due to various perils such as theft, fire, vandalism, or collision, which are critical factors for businesses in the automotive services industry.

For garages, this coverage is essential because it ensures financial protection against liability for damages that might occur to a customer's vehicle while it is being housed or serviced. Without Garage-Keepers Insurance, any loss or damage to customer vehicles could significantly impact the garage's finances and could lead to costly legal claims or reputational damage.

While Workers' Compensation Insurance covers employee injuries, General Liability Insurance protects against bodily injury and property damage claims not related to customer vehicles, and Property Insurance safeguards the garage's own property and equipment, they do not specifically address the unique risks associated with the vehicles belonging to customers, making Garage-Keepers Insurance the most crucial coverage for this context.