Garage Liability Insurancebonds are required by The Garage Liability to comply with the state, city, county, or federal government licensing requirements. The obligee is the government entity requiring you to get the bond. There are a variety of types of surety bonds, each with its own requirements and uses. Each entity has their own Garage Liability Insurance Bond Form, so you will need a different Garage Liability Insurance bond for each state you will be transacting business in.