Commercial industry
Locksmith Insurance
Locksmiths are handed keys, access systems, and after-hours trust. Property managers and retailers will ask for a service or fidelity bond with the GL certificate. The work is mobile, so commercial auto and a tools floater sit beside the package. Errors on an access-control job can be a professional claim as well as a GL claim.
We place mobile and shop locksmiths. If you install significant electronic access or integrate with IT systems, tell us — the professional and cyber story grows.
Risks we actually schedule
- A service-bond or dishonesty claim after a missing-key or missing-item allegation.
- Damage to a customer’s door, vehicle, or access hardware.
- Auto claims on after-hours mobile calls.
- A botched access-control install that becomes an E&O claim.
Frequently asked questions
Why do commercial clients ask for a bond?
You have keys. A service or fidelity bond is their financial backstop. It is not a substitute for GL.
Is locksmith work a contractor class or a service class?
Carriers split. Automotive locksmithing, door hardware, and electronic access can land in different appetites. Describe the receipt split.
Do I need commercial auto for one service van?
Yes, if it is the shop on wheels.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsProfessional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Coverage detailsCleaning Company
Janitorial GL, a service bond, and care of other people’s premises and property.
Industry pageProperty Management
Managers of commercial office, retail, and industrial buildings — GL, E&O, EPL, and the owner certificates you issue every week.
Industry pageAuto Repair and Garage
Garagekeepers, shop liability, tools, and the care of customers' vehicles — written as a garage, not a generic store.
Industry pageNevada
Licensed commercial insurance broker serving Nevada.
State page