Locksmith Insurance

What this coverage is intended to address

• ✓General liability that is intended to respond if a customer is injured on a job or their door, frame, or hardware is damaged during service.
• ✓Completed-operations coverage generally intended to respond if a lock or deadbolt you installed fails to secure the premises as expected.
• ✓A surety or fidelity-bond angle that some clients require, intended to provide assurance around the trust placed in key and access work.
• ✓Tools and equipment (inland marine), when scheduled, intended to help replace pick sets, key machines, and programmers if stolen or damaged.

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

• Imagine a deadbolt you installed binds and a tenant forces the door, splitting the jamb; in the event of a covered claim, the completed-operations portion is intended to respond to the property-damage demand.
• Suppose a customer alleges a re-key was done improperly and an old key still opened the lock — the general liability and completed-operations sections may help respond to the resulting claim, subject to policy terms.