Business Insurance for Locksmiths

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Locksmith showing key blanks in his shop.

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Save money by comparing business insurance quotes for locksmiths

Damage to a client’s car while unlocking it, vehicle accidents, and other common risks could result in huge losses. Safeguard your small business with affordable locksmith insurance coverage.

Compare quotes from trusted U.S. carriers

Locksmiths can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.

What types of insurance do locksmiths need?

These policies provide coverage for the most common risks of locksmithing.

General liability insurance

This policy covers common locksmithing risks, such as accidental damage to a car door. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for locksmith businesses that have employees. It can cover medical bills for work-related injuries.

BEST FOR

Employee medical expenses
Missed wages
Legal costs

Commercial auto insurance

This policy covers third-party injuries and property damage caused by locksmith company vehicles, as well as repairs to vehicles damaged by weather or vandalism.

BEST FOR

Car accidents
Vandalism and theft
Weather damage

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a locksmith’s tension tools, key extractors, pick guns, and other tools if they are lost, stolen, or damaged.

BEST FOR

Equipment less than five years old
Mobile equipment
Small tools

Looking for different coverage? See more policies.

How much does insurance cost for locksmiths?

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Several factors will have an impact on insurance costs, including:

Contracting services offered
Business equipment and property
Revenue
Location
Number of employees

View Costs

What our customers are saying

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours. Up to that point, I had spent hours going in circles with others."

Michael D.

Custom programmer

Why do locksmiths need insurance?

Locksmithing is delicate work, and there’s always the risk of damaging a client’s door. Locksmith insurance can help pay for legal bills if a client sues over property damage. It can also cover costs related to employee injuries, damaged or stolen tools, work vehicle accidents, and more.

Compare insurance quotes for locksmiths

Save money by comparing insurance quotes from multiple carriers.