Locksmith Insurance — Coverage, Cost & Requirements
Locksmiths carry unique liability exposure from key duplication, lock bypass services, and residential entry work. General liability covers property damage during lock-out service. Surety bonds are typically required by state licensing and provide customer assurance. Commercial auto covers service vehicles. Professional liability protects against claims when security systems fail after installation.
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What Coverage Does Locksmith Insurance Include?
Most locksmith businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Surety Bond
Surety Bond coverage tailored for locksmith businesses.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Professional Liability
Professional Liability coverage tailored for locksmith businesses.
How Much Does Locksmith Insurance Cost?
The cost of locksmith insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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