Locksmith Insurance

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Why do I need Locksmith Insurance?

As a locksmith, you are the “get out of jail free card” in this game we call life. Sometimes, your superhero-like skills help prevent a single, silly mistake from snowballing into the worst day ever. Other times, you might just be saving a tired tenant from an awkward call with their mom (“You locked yourself out, again?”). And when a single apartment dweller needs a safer lock, you’re the one they call for that much-needed peace of mind.

No matter what your exact duty to your clients is, your job is an incredibly important one.

Unfortunately, not every client will react to your services with a sigh of relief. Sometimes, people may be trying to find someone to blame for their mistakes and can take their frustration out on you. That’s why you need to protect yourself with general liability insurance. No matter how good you are at your job, a smart business owner is always prepared for the worst-case scenario.

For example, perhaps you have a particularly overbearing client watching you work. Should they suffer an injury in connection with your services, they might expect you to cover their medical bills despite who is at fault.

On another occasion, you might have a door that’s tougher than usual to unlock. Should you accidentally damage the door in the process of trying to open it, your client could claim you’re liable for the repairs.

This is why general liability coverage is essential. This coverage protects locksmiths from claims of third-party claims of property damage, personal injury, and advertising injury.

Don’t let a lack of coverage lock down your business or your livelihood.

While these types of situations are often out of your control (and sometimes, far from your fault), litigious clients and third parties might still try to rain on your locksmithing parade. That’s why you’ll want Thimble on your side. With our general liability insurance policy for locksmiths, you can ensure the doors to your business remain open.

With insurance that’s as affordable as it is flexible, Thimble is the go-to choice for any small business owner hoping for protection and peace of mind.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

What does Locksmith Insurance cover?

The General Liability Insurance arranged by Thimble can help protect locksmiths from risks in situations like these:


Third-party, non-employee bodily injury

Much of your job consists of you checking on a lock. You’re constantly opening and closing the door, utilizing various tools , and sometimes it’s hard to have full visibility of your surroundings. Should you accidentally injure your client or a third party, they could hold you liable for their medical bills.

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Third-party property damage

You’re constantly working at clients’ properties. After all, they don’t remove their doors and bring them to you! You come to their home or business. In which case, should you accidentally damage any of their personal property while on the job (the door itself is a big risk here), then they could demand you pay for the repairs or replacement.


Defense costs

If, for whatever reason, a third party sues you over either situation above, then general liability coverage can help pay for your defense costs. Lawyers are expensive. You don’t want a lawsuit to harm the financial success of your business.

How much does locksmith insurance cost?

Thimble’s Locksmith Insurance rate is determined by factors like location, crew size, desired coverage limit, and term duration. Our Locksmith Liability Insurance is ideal for small businesses because of its flexibility and affordability. With Thimble, you never have to pay for insurance you don’t need—pay hourly, daily, or monthly based on when you work. Additional Insureds are free, and Certificates of Insurance (COIs) are unlimited and free. Oh, and your quote? Also free, and fast.

Don’t let your locksmith business go without insurance coverage that’s both flexible and on-demand. Get your free instant Locksmith Insurance quote from Thimble now.

Locksmith Insurance FAQs

How quickly can I get a Certificate of Insurance?

Instantly. You can have a certificate of liability insurance in your virtual hands in a matter of a minute. No, that’s not a typo—receiving a quote, purchasing a policy, and snagging a COI literally takes less than 60 seconds. That’s faster than cutting a new key!

Whether you have a client that needs a locked changed now or a string of potential customers looking for a locksmith with legitimacy, you can have proof of insurance handy as soon as you need it. Not to mention, you don’t have to sacrifice your wallet for convenience. As quick and easy as Thimble’s insurance is to purchase, it’s just as affordable.

With insurance that’s flexible and on-demand, you will only have to pay for a policy when you’re actually on the job.

For proof on-the-go, download the Thimble mobile app, where you can make changes to your policy, add Additional Insureds, and keep all your COIs organized and available. And yes, that’s COIs plural—because, with Thimble, you can download as many as you’d like for free.

The company I work for already carries business insurance. Do I need my own locksmith insurance policy?

Let’s say you also perform locksmith services as a private contractor, casually help out a neighbor in a pinch or even make the occasional mistake as an employee.

In any of these cases (and more), you should be prepared with your own locksmith insurance policy.

Unfortunately, even if your employers have insurance, certain activities may not be covered by their policy. If you don’t know these details inside and out, your best bet is to get your own locksmith insurance coverage. For example, a client that suffers bodily injury or property damage associated with your locksmith service can still name you as the responsible party, resulting in some hefty legal fees or medical bills under your name—not your company’s.

Not to mention, a professional locksmith company may require that you carry your own insurance policy before extending a job offer. Either way, you’ll feel much better once you’re protected by an insurance policy that you know inside and out, and that has your name on it.

Just like you help others stay safe and comfortable, Locksmith Insurance arranged by Thimble will do the same for you.

What are the Locksmith Insurance policy limits?

With Thimble, Locksmith Insurance comes with policy limit options of $1 million and $2 million. Before making a decision between the two, consider your needs as a business owner or contractor. Depending on the level of risk associated with your locksmith service (perhaps you specialize in complex bank safes or expensive, custom windows), a slightly higher policy limit might be more than worth it.

Are workplace injuries of my staff covered?

No, bodily injury to employees is not covered under a general liability insurance policy. If you are bringing another locksmith or similar specialist into the fold, you may want to consider adding a workers’ compensation policy to your insurance portfolio. This would keep you covered in case a subcontractor or employee gets accidentally injured on the job. Plus, some states require it.

Does Locksmith Insurance by Thimble cover damage to my equipment?

If you choose a monthly Locksmith Insurance policy, our Business Equipment Protection will be automatically bundled in your coverage. You can choose from a $1000, $2500, or $5000 limit. Our equipment coverage protects your business equipment when it’s on the go. Should you want to protect it while it’s on your premises, you should consider a commercial property insurance policy.

How do I get Locksmith Insurance with Thimble?

All you need to do is fill out a few details about your locksmith business, input your ZIP code, and enter your desired coverage length (which can be hourly, daily, or monthly). After that, you’ll have a free quote in an instant. In just 60 seconds, you can go from having zero coverage to being safe and secure with a stellar policy made just for you.

Don’t forget to click purchase and access your instantly-available COI. And to unlock even more convenient features, download the Thimble mobile app.

Quick-thinking insurance for fast-moving businesses.


Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.


Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.


Total Control. Seamless edits. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.

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