What coverage applies when bodily injury and property damage arise from the ownership or use of a garage?

The coverage that applies when bodily injury and property damage arise from the ownership or use of a garage is Premises and Operations Liability. This type of liability insurance is designed to protect businesses from claims arising out of accidents that occur on their premises or due to their operational activities.

When a garage is involved, it often includes customers or visitors coming onto the property, and if an injury occurs or property is damaged while they are there, this coverage will respond to those claims. It protects against claims for negligence in maintaining a safe environment or in the operations conducted at the location. For instance, if a customer slips and falls in the garage or if a vehicle damages another while parked, Premises and Operations Liability would cover the associated costs.

The other types of insurance mentioned may cover specific aspects related to a garage but do not provide the broad protection against general incidents occurring on the premises. For instance, Garagekeepers Insurance specifically covers vehicles in the custody of a garage service, while Commercial Auto Liability pertains to vehicles used for business purposes. General Liability could also be applicable, but it may not cover the unique factors associated specifically with garage ownership and operations, which is why Premises and Operations Liability is the best fit here.