What type of coverage protects a garage operator from liability for damages to vehicles in their care?

Bailee coverage specifically addresses the scenario where a garage operator takes possession of a vehicle and is liable for any damage or loss that occurs while the vehicle is in their care. This type of coverage is designed for businesses that hold property belonging to others, like vehicles in a garage, and protects them against claims arising from damage to those vehicles.

In this context, the concept of a "bailee" refers to a person or business that temporarily receives and takes care of someone else's property. For instance, a car repair shop or a parking garage is a bailee, and they have a responsibility to safeguard the vehicles entrusted to them.

General Liability Coverage, while important, typically covers claims of bodily injury and property damage caused by the business or its operations, but does not specifically address liability for customers' property in the care of the business. Bodily Injury Liability Coverage is focused on injuries to people rather than damage to property. Commercial Auto Coverage relates to vehicles owned by a business for transportation purposes, rather than protecting customer vehicles in a garage setting. Therefore, bailee coverage is the most appropriate and specialized option for a garage operator's liability concerning vehicles in their care.