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Garagekeepers Legal Liability coverage is an optional coverage designed for business owners who offer towing services or operate service stations. Garagekeepers coverage is an optional line offering protection to the garage business for loss to a customer's auto left in the insured's care,. What Is Property Damage? Farmer with equipment counting yields on a computer. But, even if the insured is legally liable for everything that the customer lost, this does not mean there is coverage under the GKLL policy for everything claimed. Garage keeper's liability insurance protects business owners against physical damage losses that occur to customers vehicles while in their care, custody, and.