Locksmiths insurance. You make one call, We make the rest.
A property manager who wants your certificate before the rekey, and a door that does not always survive the job. We know this work, we know which insurers want locksmiths, and the paperwork goes out the same day.
Tell us about your business.
What is Locksmiths insurance?
Coverage for a trade that opens, changes, and installs the locks on other people's property. General liability covers the damaged door, the scratched frame, and the claim that follows a rekey done wrong. Inland marine covers the key machines, programmers, and hand tools that live in the van. Commercial auto covers the van itself, and workers' compensation covers your technicians. Property managers, commercial accounts, and in many places your license will ask for proof before you start.
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Damage to doors and locks
General liability for the door, frame, lock, or access system damaged during a job, with legal defense included.
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Key machines, programmers, and tools
Inland marine for the equipment in the van and on the site, against theft, damage, and loss.
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The service van
Commercial auto for the vehicle the business runs on, which a personal policy will usually not cover for work.
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Workers' compensation
Medical costs and lost wages when a technician is hurt, required in most states from your first hire.
Who needs Locksmiths insurance?
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Residential locksmiths
Lockouts, rekeys, and installations in homes.
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Commercial locksmiths
Master key systems, access control, and property management accounts.
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Automotive locksmiths
Key programming and ignition work, where the car itself is the exposure.
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Safe and vault technicians
Opening and moving safes, with the lifting that involves.
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Mobile and emergency locksmiths
The van is the shop and the calls come at night.
Some licenses want a bond as well as a policy.
Many states and cities require a locksmith to carry a surety bond alongside liability insurance, and the two are different things: the policy protects you, the bond protects the customer. We place both together so the license application goes in complete.
Why businesses like yours choose Harper.
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We know how locksmiths are rated
Insurers ask whether you do automotive work, whether you install access control, and whether you hold keys for clients. We answer those correctly first so the quote holds.
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The insurers that want locksmiths
Standard companies and the specialty markets most brokers cannot reach, compared side by side.
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Certificates for the property manager the same day
Commercial accounts and HOAs want to be named before the first job, and the certificate goes out the day you ask.
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Room to grow
A second van, a new technician, or an access control line extends the policy instead of restarting it.
Frequently asked questions
What insurance does a locksmith need?
Most locksmiths need general liability for property damage, inland marine for tools and key machines, and commercial auto for the van. A bond is required for the license in many states and cities.
Is locksmith insurance required?
Not always by law, but most commercial clients and property managers require liability coverage, and many states require a bond or insurance as part of the locksmith license.
Does it cover a door I damage during a lockout?
Yes. General liability responds to accidental damage to doors, locks, frames, and access systems during a job, subject to the policy.
Does it cover tools stolen from my van?
Yes, under inland marine, subject to the policy conditions. Most insurers ask that the van be locked and that the larger items be listed with serial numbers.
Can I add a property manager as an additional insured?
Yes. Many commercial contracts require it, and we add the wording and send the certificate the same day.
What does it cost?
Your revenue, the services you offer, the number of vans, and the value of your tools drive the price. We take one application to every insurer that writes locksmiths, so the number already has competition in it.
