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Liability Coverage is for when someone sues you. The Insurance company will cover the cost of an attorney to represent you.

Damage to your customers property is covered by the "garage keeper's" rider if you have one. You don't have to have a fixed location to get the "garage keepers" coverage. It is for anyone who works on automobiles whether at a fixed location or on a mobile basis. There is usually a deductible that has to be satisfied before the insurance company takes over.

Riders can also be purchased to cover your tools.

Have your agent or insurance company explain what is covered by each part of your policy.