Garagekeepers Direct Primary coverage pays for damages to customers' vehicles regardless of who is at fault. Legal Liability coverage, on the other hand, only pays if your business is found legally liable for the damage.

Consider you run an automotive repair shop. A customer leaves their car with you overnight, and it gets damaged by vandals. With Direct Primary coverage, your insurance would cover the repair costs, no questions asked. But with Legal Liability coverage, you'd only be covered if it was proven that your negligence led to the damage.

Understanding these differences helps you choose the right protection. Direct Primary offers broader coverage, while Legal Liability is more limited but might be more affordable.