Locksmithing is delicate work, and there’s always the risk of damaging a client’s door. Locksmith insurance policies help pay for legal fees if a client sues over property damage. They can also cover costs from employee injuries, stolen tools, car accidents, and other incidents.
These insurance policies cover the most common risks of locksmithing.
This policy covers common third-party risks, such as a client tripping over your toolbox. Bundle it with commercial property insurance for savings in a business owner’s policy (BOP).
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for locksmiths.
Most states require workers' comp for locksmith businesses that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
This insurance for mobile locksmith vans and other business vehicles covers the cost of auto accidents. Each state has its own auto insurance policy requirements for business and personal vehicles.
This policy helps pay for repair or replacement of a locksmith’s tension tools, key extractors, pick guns, and other tools. It's a type of inland marine insurance.
Professional liability coverage for locksmiths helps pay for legal expenses from professional errors, such as damage to a car door while unlocking it. It's also called errors and omissions insurance (E&O).
It's easy to get locksmith business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Our licensed insurance agents work with top-rated U.S. providers to find the right, most affordable small business insurance for locksmith services, whether you work independently or hire employees.