Florida Workers’ Compensation Insurance for Locksmiths

Name: Workers' Compensation Insurance for Locksmiths in Florida
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for Locksmith Shops, Locksmith Contractors, and Alarm Installers

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Why do Locksmiths in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Locksmiths in Florida encounter risks daily, from handling heavy tools to working in varied environments. Workers' comp insurance protects your staff if injuries occur and shields your business from potential claims.

Common Locksmith injuries

Cuts - Sharp tools or broken locks pose risks
Eye injuries - Flying metal debris can damage vision
Strains - From heavy lifting or awkward positions
Slips - Slippery or uneven surfaces can result in falls
Lead exposure - Frequent contact with lead may pose health risks

Workers' Comp for Locksmiths in Florida: Legal Requirements

Locksmiths in Florida with four or more employees are required by law to carry workers' compensation insurance. Failure to meet this requirement can result in fines and stop-work orders. Learn more about Florida Workers’ Compensation Rules here.

Common types of Locksmith workers we can insure in Florida

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 Locksmith workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Locksmith Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Locksmiths in Florida cost per month?

Locksmith businesses in Florida pay around $77 per employee each month for workers' compensation in, using a rate of $1.70 per $100 of payroll, plus taxes and fees. Learn more about Workers’ Comp Rates for Locksmiths here.

What's the cost based on?

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

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 Florida Locksmith

Here are the main categories for classifying injuries 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

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

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Locksmith business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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 in Florida

Do independent locksmiths need workers' comp coverage?

If you’re self-employed without employees, you usually don’t need workers' comp. However, some licensing boards may require it for maintaining your license.

Does offering 24-hour emergency locksmith services affect workers' comp coverage?

Yes, offering 24-hour emergency services can make it harder to find coverage. Underwriters often view these businesses as higher risk due to the increased chance of accidents during late-night or emergency situations.

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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

Document with workers' comp for Locksmiths insurance quote surrounded by insurance icons

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

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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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