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Illustrated street with a glass storefront entrance fitted with a panic exit bar and keypad reader on one side, and a white locksmith van on the other, its door open on a key-cutting machine and rows of keys, a purple padlock on the step

Locksmith insurance

open the
commercial
account.

Liability, comp, vans and tools for locksmiths moving into commercial hardware, access control and facility contracts.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A split frame, a fall, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of an office lobby with a steel door frame split around a half-installed panic bar, a stepladder tipped over under a loose door closer and a purple key-cutting machine on the floor, beside a locksmith van with an empty workbench mount and a crumpled bumper against a parked car

general liability

A door frame splits during an install

Damage to the customer’s door and frame.

workers’ comp

A technician falls hanging a door closer

Medical bills and lost wages.

tools and equipment

The key machine gets taken from the van

Tools and gear, on the job or on the road.

commercial auto

The van rear-ends a car on an emergency call

Damage you cause on the road.

general liability

A door frame splits during an install

Damage to the customer’s door and frame.

Examples. Your policy sets the details.

the work changes
what we check.

Mobile calls, commercial hardware and electronic access carry different risks. Pick yours.

Mobile service

Homes, businesses and cars.

We check your residential, commercial and automotive mix, and how the keys, inventory and tools riding in the van are covered.

we check first: Keys and tools in the van. Illustrated van workbench with a key-cutting machine, a rack of key blanks and a tool case, and a purple key blank in the machine

locksmith businesses
usually carry.

Put them on one program and we shop them together at every renewal.

door damaged?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Keyline Lock and Door

your options

$7,400a year, 4 policies

3 options, same coverage

Option A$7,400

Option B$8,100

Option C$8,900

4 technicians3 vansAustin, TXClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

get started

guides
locksmiths ask for.

The coverage behind every lock and door call.

growing by
acquisition?

Buying another locksmith shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about locksmith insurance.

What insurance does a locksmith business need?
Most locksmith and door hardware companies carry general liability, workers’ comp once they have employees, commercial auto for the vans, and tools coverage for keying and installation gear. Facility managers often ask for proof before a technician gets access. Crime, professional or cyber coverage can come up when you hold keys and codes or program access systems.
What affects the price of locksmith insurance?
Mainly your residential, commercial and automotive mix, emergency calls, safe work, door installation and electronic access, plus payroll, vans, inventory and your claims history. Limits and deductibles move it too. We read the exclusions alongside the premium, so you compare what the price actually buys.
Does general liability cover a door I damage on a call?
It can cover damage to someone else’s property caused by your work, like a frame split during an install or hardware that fails after you leave. Property in your care and the cost to redo your own work are separate questions. Exclusions matter, so the policy wording is worth reading closely.
Do electronic access and customer key control change the insurance?
They can. Electronic locks, access control programming, master key records, credentials and holding customer keys or codes each raise different property, crime, professional and cyber questions. Carriers look at your internal controls and contract terms too, so describe how your team handles keys and codes accurately.
What insurance do facility managers require from locksmiths?
Usually general liability at the limits their contract sets, plus workers’ comp and commercial auto, before a technician is cleared for the site. Many also ask to be named as additional insured, and some want background checks on the people holding their keys. The contract’s insurance section lists the details.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA