What it covers
If your shop owns a tow truck, a parts runner, or a service vehicle, commercial auto covers liability and physical damage for those vehicles. It can also address road-testing a customer’s car, depending on the form. Service autos are available in conjunction with a garage operation in some states.
Garage vs. business auto
Repair-shop auto exposure is sometimes handled inside a garage policy and sometimes on a separate business auto policy. Which structure applies is to be confirmed. Coverage is governed solely by the terms of the issued policy.