Commercial parking lots and valet: Who pays for auto damage?

With regards to commercial parking lots, the garagekeepers legal liability coverage dictates that the insured is legally liable for loss to a covered auto in that parking lots. (Photo: iStock)

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Question: We have a golf course client that purchased Garagekeepers Coverage (CA 99 37 10 13) with direct, primary Comprehensive. The reason for buying the coverage was to cover cars in the club’s valet parking lot, but there’s nothing in the policy or the form to distinguish between valet parking and any other kind. The club has one big parking lot with a portion marked off for “Valet Parking Only,” but there’s no barriers or fences to separate one kind of parking from another.