trusted with the keys
Insurance for locksmiths in Florida
You open doors, change locks and cut keys, often in someone’s home or car. I’m Chris, and I can help you look at your options.
FL License #G193830
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The basics
Damage you cause
A drilled lock that splits a door, or a scratched car window during a lockout, is the kind of thing general liability is meant for.
Employees
If you have a tech on the road, workers’ comp is the coverage for injuries on the job.
Your gear
Key machines, pick sets and programmers are costly to replace. Ask me about protecting them.
Proof for contracts
Property managers and commercial customers may want a certificate before they call you. Ask what they need first.
What can go wrong
You work fast and often under pressure. One slip at a customer’s door can turn into a bill.
- You damage a door or frame while getting into a locked house. That’s a general liability question.
- A customer says a lock you installed failed and something went missing. Ask me how a claim like that gets looked at.
- You scratch a car during a lockout in a parking lot. Ask me about liability, and about commercial auto if the car was in your care.
- A tech cuts a hand on a broken lock. That’s a workers’ comp question.
- Programming tools get stolen out of your van. Ask about tools and equipment.
Coverage to ask me about
In Florida, construction businesses generally need workers’ comp once they have one or more employees, and other businesses generally need it at four or more employees. The Florida Division of Workers’ Compensation has the official rules.
- General liability. It’s built for customer injuries or property damage tied to your work.
- Workers’ compensation. It can help pay medical bills for hurt employees.
- Commercial property or tools and equipment. It can cover shop contents, key machines and tools, depending on the policy.
- Commercial auto. You drive to every call, so ask me about it.
What I’ll ask you
A few honest answers get us moving.
- Which jobs you take, such as homes, cars, businesses or safes, and which you don’t.
- About what the business brings in each year.
- Your payroll and your head count.
- If anyone works for you as a subcontractor.
- Whether you’ve filed claims before.
- What a customer, property manager or contract wants to see.
- When you need everything in place.
Questions I get
Does my policy cover a car I damage on a lockout?
Policies differ. Car damage can be handled differently than door damage, so let’s talk through how you work.
Do I need coverage if I work alone?
Workers’ comp depends on your employee count. General liability is still worth a look, since customers can get hurt either way.
Will a customer ask for proof of insurance?
Often, especially property managers. I can help you request a certificate once coverage is set.
Are my tools covered in my van?
Not automatically. Ask me what a policy says about theft from a vehicle.
Official sources
Coverage, eligibility and price depend on the company and your business. This page is general information, not a quote.
Have a question? Just ask.
Call me or send a quote request. You’ll hear back from a real person.