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Garage liability insurance is the appropriate policy for a valet parking service to cover liability. This type of insurance is specifically designed for businesses that provide auto-related services, including repair shops, dealerships, and valet services. It protects against bodily injury and property damage that may occur while the valet is handling vehicles, thus addressing the unique risks associated with parking and managing clients' cars.

The coverage includes incidents that could arise from accidents or damage not just on the premises, but also during the process of parking or retrieving vehicles. This is essential for valet services, as they often take possession of customer vehicles and can be held liable for any damage that occurs while those vehicles are in their care.

In contrast, commercial vehicle insurance typically covers vehicles used for business purposes but does not specifically address the unique liability concerns of valet parking services. Workers' compensation insurance provides benefits to employees who are injured at work and does not cover liability issues related to clients' vehicles. Personal auto insurance is designed for individual vehicle use and generally excludes coverage for commercial activities such as valet parking. Thus, garage liability insurance is the most suitable option for protecting a valet service from liability claims.