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Contractors’ insurance protects against the financial risks present at all stages of business operations.
Locksmith contractors specialize in security systems, including installing, repairing, opening, or modifying locks or originating keys for locks. Tasks involving electrical tools and heavy lifting around the job site present a risk of workplace injury to employees. Furthermore, the risk of third-party lawsuits brought on by accusations of failed security mechanisms can be devastating for inadequately insured business owners.
Our commercial specialty programs provide locksmith contractors the formidable coverages to safeguard against unforeseen third-party action and business claims.
Locksmith contractors’ general liability is the foundational component of a robust commercial insurance package.
A locksmiths’ general liability policy fortifies your business against third-party lawsuits for injuries or property damage.
Most licensing boards require a business with employees to maintain a locksmith contractors’ workers’ comp policy before issuing a license to begin operations.
Locksmiths’ workers’ comp insurance will financially protect employees that get injured or become ill from a job-related incident.
Most states require that locksmith contractors get bonded before they can begin operating their businesses.
The locksmith contractors’ surety bond provides a financial guarantee to your customers that you will complete the job according to your bid and subcontractors or vendors paid upon completion.
Vehicles used for business operations, including transporting tools and equipment, need locksmith contractors’ commercial auto and truck insurance for the appropriate protection if damaged in an accident, stolen, or vandalized.
Most locksmith commercial auto policies will provide up to $1 million combined single limits.
Also referred to as locksmith contractors’ inland marine insurance, a locksmiths’ tool and equipment policy will reimburse you and your business if your covered property is damaged or stolen at the job site, in transit, or while in storage.