RRMJune 3, 2022 / RRMAdam Beyer

Garage Liability vs General Liability

A common question we get asked is: What is the difference between garage liability and general liability coverage? The answer is quite simple.

General liability coverage will protect your business and assets in the event of somebody slipping and falling, for example, while walking in your auto repair shop. If a customer slips and falls into an underground service bay, general liability will pick up this incident.

Garage liability, on the other hand, extends over a commercial general liability policy to automobiles that are used within the scope of business, or that are in the care, custody, and control of your business. For example, if an employee is test-driving a customer vehicle to diagnose a squeaking belt and crashes into another motorist, garage liability coverage will come into play because a vehicle that the shop does not own, but was used within the scope of garage operations, caused the damage.

Reach out to us to have a garage insurance expert evaluate your current garage liability policy to ensure you are properly covered.


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When we started our business we had no idea the covereage we needed. The team at RRM helped us find the right coverage and continue to provide excellent support. We love working with them and recommend them to everyone!

Scott Cain Rhino Scooters

When all was said and done it was clear that Jerry and RRM was the right choice for us. I’m grateful to have an agent that is in my corner and is always there to answer questions and solve problems.  I have and will refer friends and family to Jerry and RRM Insurance Services, they get my highest recommendation.

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I am a small commercial contractor and they have helped us walk through the bonding processes. They have been very respectful, welling to answer all of our questions, and provided great advice. The best part is that we have been able to do several public projects that require a bid bond and then a performance bond. They are really responsive and provide great service. I have no concerns giving them 5 stars and recommending them.

Rusty Riggs

It’s always a pleasure contacting Jerry Morris with RRM Insurance Services. For any insurance need we have, Jerry has always taken care of it swiftly and effectively. He has always provided sound advice and ensures to get us the best value and savings possible!

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