Back to top
Locksmith at door

Business Insurance For Locksmiths

Help Protect Your Locksmith Business.

Helping people out of tricky situations is your specialty. There's no telling when your services will be needed, so it's up to you to stay organized and ready. From your dedicated employees to your loyal customers, continue to provide a service they can depend on while helping protect your business with quality business insurance.

Get A Business Owner Policy Quote.

Get a BOP quote

Have Questions About Business Insurance?

Find a certified agent

Property Risks

Stolen Equipment from Vehicle

While out on a job, someone breaks into your van and steals some tools.

Allstate Coverage

Locksmiths' Tools And Equipment Coverage

This provides coverage for your tools away from your premises for covered perils.

Equipment Theft

Someone breaks in overnight to your shop and steals tools and equipment.

Business Personal Property

This will replace the contents that were stolen or damaged and repair the damage from the incident. Your insurance covers your loss at what it would cost you to replace the items.

Employee Dishonesty

It is discovered that an employee has stolen from the store.

Employee Dishonesty*

This coverage responds when an employee steals money or property from your business.

Loss Of Cash Due To Theft, Robbery Or Destruction

Your store is robbed and your day's cash intake is stolen.

Money & Securities*

This covers the insured against the loss of money or securities due to theft, disappearance or destruction.

Damaged Documents

Your critical documents, contracts, invoices and files are damaged or destroyed.

Valuable Papers & Records

This covers you for damage or destruction of important documents used in your business.

Damage To Property While In-Transit

While in transit to the customer's location, you are involved in an accident and your tools and equipment are damaged.

Inland Marine*

This provides affordable protection for a Contractor's tools, equipment and inventory while they're in transit, in the business vehicle or at the job site.

Property Damage

As you are changing out a lock at a customer's house, you slip and damage the door.

Locksmiths Endorsement

Provides coverage for damage to the property you are working on. This coverage is provided under General Liability when the Locksmith Endorsement is on the policy.

Liability Risks


While you are installing a lock in the bathroom, the doorknob drops and cracks a piece of tile.

Allstate Coverage

General Liability Protection

This provides coverage for damage to others property while in the course of your work.

A Client's Property Is Damaged

As you are changing out a lock, you slip and damage the door.

Locksmiths Endorsement

This provides coverage for damage to property that you are working on.

Customer Data Loss Or Theft

You maintain a significant amount of your customer's confidential personal data. That information is lost or stolen.

Data Compromise*

This provides case management, legal support, credit monitoring, and legally required notifications.

Auto Risks

An Employee Causes An Accident

While performing work for you, your employee gets into an accident and causes injury and damage, you could be liable.

Allstate Coverage

Liability Protection

This coverage insures against injury to others and damage to other vehicles, even if it's due to your employee's negligence.

Vehicle Damage

Damage to your vehicle, whether your driver was at fault or not, can be very costly to fix.

Collision Coverage

This protection pays to repair damage, or even replace your vehicle if it is a total loss.

You can relax in knowing that we'll cover repairs or a replacement, subject to your deductibles.

Hail Storm Vehicle Damage

Hail can do real and costly damage to your vehicle, such as large dents and broken glass.

Comprehensive Solution

This protection pays to repair storm hail damage to your business vehicle.

You'll have peace of mind in knowing you're covered for hail damage repairs, subject to your deductibles.

You Are Injured By An Uninsured Driver

If you're in a vehicle collision with an uninsured driver and sustain serious injury, your livelihood could be at risk.

Uninsured Motorist Coverage

With this coverage, you may be protected for injuries in an accident that is caused by a driver with no insurance.

You may have the protection you need, based on your policy's Bodily Injury limit. (Restrictions apply in some states.)

Owe Money on Damaged Vehicle

If you still owe money on a loan or lease, you could be liable for the cost of replacing the vehicle.

Lease and Loan Gap Coverage

While most carriers will provide this coverage, many restrict it by vehicle type and charge a premium. You can relax because this coverage comes standard in your Allstate Business Auto policy.

Download Our Agent Discussion Guide.

As business owners themselves, Allstate agents have a unique understanding of the needs and questions you may have when selecting an insurance plan. To help you prepare for that conversation, we've complied a helpful guide to discussing your coverage with an agent.

Man and woman small business agent

Have Questions About Your Business Coverage Options?

An Allstate certified business insurance agent will help you find the services that meet you and your business' needs.

Find a certified agent

*Optional coverage

This is a brief description of business insurance products; this is not a contract. Read your policy for full details about the coverages. To learn more, please contact your Allstate Agent. Coverages are subject to state availability and qualifications. Other terms, conditions and exclusions may apply. Business Owners Policy is issued by Allstate Insurance Company: Northbrook, IL; Allstate New Jersey Insurance Company: Bridgewater, NJ.

ECC Monitor: OK