When you call a locksmith, it’s important to know they are licensed and insured. This way, you know your safety and property is protected in the event of an accident.

Licensed locksmiths usually undergo extensive testing and apprenticeship to gain skills for their job. They also must pass a criminal background check.

Certification

A Certified locksmiths must pass a background check and take an exam to become certified. In addition, most states require locksmiths to purchase insurance and get bonded. Typically, insurance covers accidental damage to property or injury to life. Bonding is a form of insurance that guarantees the quality of a locksmith’s work. It requires a nominal fee to be paid to a bonding company, and in the event of an accident, the company will reimburse the client.

Many unlicensed and uninsured locksmiths cut corners by using low-quality tools or performing subpar service. They may also be unable to handle complex jobs, such as installing alarm systems or CCTV cameras. They could even break your windows if they’re not experienced.

Licensed and insured locksmiths are more reliable and qualified to handle complicated jobs. Moreover, they carry liability insurance that protects the customer in case of any accidents or injuries. They’re also available 24/7 and will provide high-quality services at affordable prices.

Licensing

Most states require locksmiths to obtain a license. They must take courses, pass exams and undergo criminal background checks. They must also show proof of insurance and display their licenses. They must also check IDs of people hiring their services and keep records. They should also join a prominent trade association.

Many schools, vocational schools and locksmith organizations offer training programs to help candidates earn various certifications. Some certifications focus on specific areas of practice, while others are more general. Candidates should select the ones that best match their career goals.

In New York, a locksmith can apply for a license through the Department of Consumer Affairs (DCA). Applicants must submit two certificates recommending them for a license and a Granting Authority to Act Affirmation form.

Bonding

Locksmiths who are bonded usually have a higher level of professional training and work ethics. They may be trusted to work in many types of locations such as banks or security offices. This is because they are responsible for service, maintenance and repair of vault doors, time locks and safe deposit boxes.

A bonded locksmith is insured in case of an accidental damage to a customer’s property while working on the job. They have the financial backing of an exclusive bonding company to pay for these damages. They also have general liability insurance to protect them in case a customer slips and falls over their toolbox or they drop an electric drill on a valuable item.

Homeowners and builders often piecemeal their security precautions by hiring an electrician to set up alarm systems, a carpenter to install low-grade locks and door hardware, and a locksmith only when they are locked out of the house or business. However, this is not an efficient way to handle the security needs of a building or residence.

Insurance

Many cities and states require locksmiths to obtain a license before operating their businesses. This often includes submitting fingerprints, undergoing a background check and passing an examination. In addition, a professional locksmiths must carry liability insurance, which covers damages to a customer’s property caused by the locksmith.

Liability insurance policies pay legal fees and other costs if you’re sued for professional negligence, such as damaging a client’s door while unlocking it. Also known as errors and omissions insurance, this type of coverage is an important part of every locksmith’s business plan.

Most locksmith companies also need hired and non-owned auto insurance, which pays for the costs of damage to any vehicles used for business purposes. This coverage is typically bundled with commercial general liability insurance in a business owners policy (BOP). Complete a free online application to compare quotes from top insurers. A licensed insurance agent will help you understand your state’s insurance requirements and find the right policy for your business.