Locksmiths face on-the-job hazards and client liability risks, so these coverages are key:
- General Liability Insurance – protects against third-party bodily injury or property damage (e.g., client trips, door damage).
- Professional Liability (E & O) – covers claims from mistakes like broken keys or wrong lock installations.
- Tools & Equipment Insurance – insures your specialized tools whether on-site or in transit.
- Commercial Auto Insurance – needed if you drive a vehicle to client locations.
- Workers’ Compensation – required if you employ anyone, covering injuries like cuts, falls, or strains.
Together, these policies safeguard your business from everyday risks—so one slip-up doesn’t become a legal crisis.
