Business Insurance for 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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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 icon

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 icon

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 icon

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 coverage icon

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
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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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.

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Save money by comparing insurance quotes from multiple carriers.