Whether you’re unlocking doors, rekeying locks, or installing security systems, your work helps keep homes and businesses secure. But accidents, property damage, and liability claims can happen unexpectedly. Locksmith insurance helps protect your business, equipment, and finances so you can work with confidence.
Whether you work independently or run a locksmith business, every job comes with risks. From homes and offices to vehicles and commercial properties, even a routine service call can lead to an unexpected claim.
Locksmith insurance helps protect your business from common risks like these:
Without insurance, these incidents could result in costly repairs, legal fees, and out-of-pocket expenses.
General liability insurance is the foundation of most locksmith insurance policies. It can help protect your business if someone claims you caused third-party bodily injury or property damage while performing your work.
You can also add business personal property (BPP) coverage to help protect your tools, equipment, and other business assets.
General liability insurance covers third-party bodily injury, property damage, and personal and advertising injury claims that may arise from your business operations.
It can help pay for medical bills, repairs, legal expenses, settlements, and other costs.
Examples include:
Optional BPP coverage helps repair or replace business property if it’s damaged. Covered property may include key-cutting machines, programming devices, lock-picking tools, computers, inventory, and office equipment.
Examples include:
Berxi’s locksmith insurance policies are built with professionals and small businesses in mind. Key benefits include:
If a customer or visitor at your place of business or a job site is injured — for instance, by tripping on your equipment — your general liability policy can help cover their medical bills and pay for any related legal costs and damages.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as privacy invasion and copyright infringement in your advertising.
If you are sued for a general liability claim (like bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs you may be required to pay.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your locksmith business will be protected from general liability claims resulting from employee action. For instance, if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
If a customer sues your business for alleged property damage or injury due to your product or completed service, products-completed operations coverage can help protect you legally and financially.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional add-on, which can help pay for damage or loss of your locksmith equipment, tools, computers, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can choose to add workers’ compensation and cyber liability coverage from one of our trusted partners by speaking with our in-house customer support team.
If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can add optional workers’ comp coverage from one of our trusted partners to your Berxi general liability policy by speaking with our product specialists.
If you use a vehicle for business, commercial auto insurance can help cover accidents, vehicle damage, and certain liability claims. It’s especially important for locksmiths who travel between service calls carrying tools, equipment, and inventory.
Professional liability insurance helps protect your locksmith business if a client claims your services caused them a financial loss. For example, it may help cover legal defense costs if you’re accused of failing to perform services as promised.
Berxi’s general liability insurance for locksmiths starts at $500/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because Berxi has no hidden costs or interest fees, locksmiths who choose our insurance save an average of 15% vs. other providers. The fastest way to find out how much you might pay for locksmith insurance is to get a quote.
With a financial strength rating of A++ from AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, update your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, answer a few quick questions about your locksmith business. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase your policy.
Step 5: Access your policy 24/7 to download proof of insurance, update your information, or file claims — right from your phone or computer.
“Berxi was considerably less expensive than my previous brick and mortar agent, and much more accessible. I wish I would have made the switch earlier.”
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Edward E.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
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Che H.
“The quoting process was easy, and the price is better than anywhere I’ve found!”
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Jeremy B.
Yes, it’s highly recommended to carry locksmith insurance. While general liability insurance isn’t legally required in most states, it’s a smart investment for businesses of all sizes. Even a routine service call can lead to accidental property damage, customer injuries, or costly legal claims. Locksmith insurance helps protect your business, equipment, and finances from unexpected incidents that could otherwise come out of your own pocket.
The amount of coverage you need depends on factors like the size of your business, the services you provide, and any client or contract requirements. Many locksmiths carry at least $1 million per claim and $2 million aggregate in general liability coverage, but your insurance needs may vary.
Berxi offers flexible limits of liability for general liability insurance that range from $100,000 per claim/$200,000 aggregate to $1 million per claim/$5 million aggregate. To see how much coverage is recommended for you, get an instant quote.
Yes, you can add optional business personal property (BPP) coverage to your Berxi general liability insurance policy, which can help repair or replace covered business property if it’s damaged. This can include key-cutting machines, programming devices, lock-picking tools, computers, inventory, and other equipment you rely on to run your locksmith business.
With Berxi, you can get your certificate of insurance the same day you get covered. To instantly download your certificate of insurance, just log in to your Berxi account.
Alternatively, you can reach out to our customer support team at support@berxi.com and they can email you your certificate of insurance.
You can add workers’ compensation insurance from our partners to your Berxi general liability insurance policy by calling us at 833-242-3794.
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