Coverage intended for the trades — built around the real risks of a contracting business.
Most locksmith operations consider one or more of these coverage types:
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
Most contractors carry general liability insurance as the foundation, often paired with tools/equipment coverage (inland marine), commercial auto, and — when they have employees — workers compensation. Specific coverages, eligibility, and pricing vary by carrier and state.
License requirements vary by state and trade. Some carriers require an active license to bind a policy; others write unlicensed handyman work with limits. Your agent can confirm requirements for your state.
Subcontractor exposure depends on policy form. Some policies extend automatically; others require subs to carry their own coverage and name you as additional insured. Always review the policy form and consult a licensed agent.
Many jobsite contracts require a minimum of $1M per occurrence / $2M aggregate, with the property owner or GC named as additional insured. Higher-value projects often require more.
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