Looking for Locksmiths Insurance?
Protect your locksmith business from property damage, liability claims, equipment theft, and professional errors. Get coverage for residential locksmiths, commercial services, and mobile locksmith operations.
What is Locksmiths Insurance?
Locksmith insurance protects locksmith professionals from risks related to property damage, keying errors, lock failures, tool theft, and vehicle-related incidents. Coverage typically includes general liability, tools and equipment (inland marine), and commercial auto. Property managers, commercial clients, and municipalities often require proof of insurance before authorizing locksmith services.
General Liability
Covers accidental property damage, such as damaged doors, locks, frames, or access systems during locksmith services.
Tools and Equipment Coverage
Protects locksmith tools, key cutting machines, programmers, and diagnostic equipment from theft, damage, or loss, whether in a vehicle or on-site.
Commercial Auto
Covers service vans and vehicles used for mobile locksmith operations, including accidents, liability, and physical damage.
Bonding (Optional)
Some commercial or government clients require locksmith bonds to protect against dishonest acts or mishandling of keys.
Certificates
Fast proof of insurance for property managers, HOAs, commercial accounts, and municipalities.
Who Needs Locksmiths Insurance?
- Residential locksmiths : Businesses requiring specialized insurance coverage
- Commercial locksmith services : Businesses requiring specialized insurance coverage
- Automotive locksmiths : Businesses requiring specialized insurance coverage
- Mobile locksmith operations : Businesses requiring specialized insurance coverage
Why Harper?
Locksmith Industry Knowledge
Harper understands locksmith risks: property damage, keying mistakes, access control issues, and tool theft.
Fast Proof for Commercial Work
Property managers and commercial clients often require immediate certificates. We deliver them quickly.
Clear Coverage Guidance
We explain the difference between liability, equipment coverage, and bonding requirements clearly.
Coverage Built for Your Services
Policies are tailored for residential, commercial, automotive, emergency, and mobile locksmith operations.
Frequently Asked Questions
What insurance do locksmiths need?
Most locksmiths need general liability insurance for property damage, inland marine coverage for tools and equipment, and commercial auto for service vehicles. Bonding may be required for certain commercial or government contracts.
Is locksmith insurance required?
Insurance is not always legally required, but many commercial clients, property managers, and municipalities require liability coverage. Some states or cities require bonding as part of locksmith licensing.
How much does locksmith insurance cost?
Mobile locksmiths typically pay $1,000–$3,000 annually depending on services offered, vehicle usage, tool values, and whether work is residential or commercial.
Does insurance cover door or lock damage?
Yes. General liability covers accidental damage to doors, locks, frames, or access systems when damage occurs during normal locksmith services.
Does insurance cover stolen tools?
Yes. Inland marine coverage protects locksmith tools and equipment stolen from vehicles, job sites, or temporary locations, subject to policy limits.
Can I add property managers as additional insureds?
Yes. Many commercial contracts require this. Harper handles additional insured endorsements and certificates efficiently.