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Valet parking services involve managing vehicles owned by customers, which creates exposure to various risks, such as damage to vehicles or injury to individuals while the vehicle is in the care of the valet. General liability insurance is specifically designed to protect businesses from claims arising out of injuries or damages that occur on their premises or as a result of their operations. This type of coverage would provide the necessary protection against potential claims due to accidents, property damage, or injuries related to the valet services.

In contrast, flood insurance is intended to cover damages resulting from flooding, which is not directly related to the specific operations or risks associated with valet parking. Workers' compensation insurance protects employers against liability for employee work-related injuries but does not cover liability claims involving third parties or customer vehicles. Casualty coverage is a broad category that can include different kinds of liability coverage but does not effectively encapsulate the specific needs and exposures faced by valet services as comprehensively as general liability insurance does. Therefore, general liability insurance is the necessary policy for valet parking services to ensure adequate coverage for their operations.