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Workers' Compensation Insurance for Locksmiths

Policies for Locksmith Shops, Locksmith Contractors, and Alarm Installers

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Why do Locksmiths need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Locksmiths tackle everything from on-site installations to shop repairs, facing risks like cuts, heavy lifting, and vehicle accidents. Workers’ comp provides vital coverage for medical costs and lost wages, ensuring your team’s safety and keeping your business secure.

Common Locksmith injuries

Cuts and lacerations – Handling sharp tools and broken locks poses risks
Eye injuries – Flying metal shavings can cause corneal damage
Strains and sprains – Lifting heavy doors or hardware can stress muscles
Slips and falls – Cluttered workspaces or slippery surfaces may lead to falls
Lead exposure – Prolonged contact with lead-based materials can harm health

Common types of Locksmith workers we can insure

Alarm System Installers

Emergency Locksmith Services

Locksmith Shops

Safe Installers

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Locksmiths workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Locksmith Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Locksmiths cost?

Locksmith businesses pay around $77 per employee each month for workers' compensation in 2025, based on $1.70 per $100 of payroll. Learn more by reading Workers’ Comp Rates for Locksmiths 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Locksmiths

Here are the main categories for classifying workers in the locksmith industry. For more details, visit our guide: Workers’ Comp Class Codes for Locksmiths.

8010 - Locksmith Shops

8010 - Emergency Locksmith Services

8010 - Safe Installers

0925 - Locksmiths (PA and DE)

Don't see your business classification?
We're here to help. Call 866-338-8823.

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Helpful tips to save money

Choosing locksmith workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Locksmith Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Locksmith Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Locksmiths

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Are independent locksmiths required to have workers' comp?

If you’re self-employed with no employees, workers' comp isn’t typically legally required. However, some licensing boards may mandate coverage to obtain or maintain your license.

Do apprentices need to be included in my workers' comp policy?

Yes, even though they’re still training, they are considered employees and need coverage for work-related injuries or illnesses.

State laws on Workers' Comp for Locksmiths

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Locksmiths?

Yes, we can help with that too!

Learn more about Locksmith Insurance

Workers' Comp Code for Locksmiths: A Complete Guide

Workers' Compensation Insurance for Locksmith Cost | 2025

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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