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Business Insurance for Locksmiths

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Locksmiths

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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.

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

What types of business 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
Product liability insurance

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.

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 costs if a client sues over property damage. It can also cover costs related to employee injuries, stolen tools, car accidents, and other incidents.

How much does insurance cost for locksmiths?

Man in construction vest and helmet calculating insurance costs.

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

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

View Costs

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