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Locksmith business insurance in Quebec

Do you run a locksmith business in Quebec? The locksmith has privileged access to properties and manipulates security systems: an error or a suspicion of negligence can lead to a claim for theft or damage. Assur360 is an independent comparator that puts you in touch with AMF-certified partner firms. The brokers of our partner firms compare more than 9 insurers specializing in commercial insurance to find the right coverage for your business, at the best price and at no cost.

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Locksmith company insurance

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Essential Covers for Your Locksmith Business

Professional Liability (Care, Custody, Control)

Covers damage to a customer’s property while you have access to it, as well as the consequences of an improperly installed lock.

Keys, codes and customer data

Protects against claims related to the loss of master keys or confidential access codes.

General liability $2 million to $5 million

Covers bodily injury or property damage that your business may cause to a customer or third party during the work. This is the basic protection required by most clients.

Tools and Equipment

Theft, breakage or loss of your tools and equipment, on the jobsite, in the shop or in the vehicle.

Property and materials on site

Materials supplied and work being installed before final acceptance by the customer.

Vehicles and commercial fleet

Company trucks, vans and trailers, with coverage of the equipment being transported.

Risks specific to the locksmith profession

Risk profile of the profession

The locksmith has privileged access to properties and manipulates security systems: an error or a suspicion of negligence can lead to a claim for theft or damage.

Compliance and licensing

Even if this profession does not always require an RBQ license, proof of civil liability insurance is almost always requested by your commercial and institutional clients before the start of the work.

One comprehensive policy

Most businesses like yours bundle liability, tools, equipment, vehicles and property into a single comprehensive commercial policy — often better and simpler than separate policies.

Frequently asked questions

Am I responsible if a lock I have installed is forced open and there is theft?
If the theft is the result of a faulty installation or an improper product, you may be held liable. Civil liability and the guarantee of completed work cover these situations.
Do I need insurance even as a self-employed locksmith?
Yes. Commercial clients and property management companies almost always require proof of liability before giving you a contract.
How much does insurance cost for a locksmith company in Quebec?
The premium varies depending on your sales, the number of employees, your specific activities, your claims history and the limits chosen. As an indication, the civil liability of a small contractor is often between $500 and $1,800 per year, but the exact premium is established after analyzing your file. Comparing several insurers remains the best way to get a fair price.
What insurance is needed for a locksmith in Quebec?
The law does not impose civil liability on all companies, but your clients, clients and the Régie du bâtiment almost always require it. If you have employees, registration with the CNESST is mandatory.
Does my home insurance cover my business if I’m self-employed?
No. A home insurance policy excludes commercial activities. You need separate business insurance to cover your liability, tools, and professional equipment.
Am I covered if one of my employees is injured on a construction site?
Employees’ occupational injuries are covered by the CNESST’s public plan, to which you must contribute. Instead, your business insurance covers your liability to third parties as well as your property.
Are my tools covered if they are stolen from my truck?
Yes, with the Tools and Equipment endorsement, your tools are covered against theft and breakage, including off-site and in your vehicle. Check the applicable limit and deductible.

Why choose Assur360

  • ✓ Independent comparator : we compare more than 9 insurance companies for you
  • ✓ AMF-certified partner firms and members of the Chambre de l’assurance
  • ✓ 100,000+ Quebecers have already trusted our network
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