Locksmith Insurance San Diego & California


Get Affordable Locksmith Business Insurance at H&M Insurance Agency


At H&M Insurance Agency, our mission is to safeguard your business and your employees from potential risks that may arise during day-to-day operations. These risks can include property damage, client or worker injury, uncompleted tasks, and various other unforeseen circumstances. Such incidents can severely impact your financial stability and business reputation without proper insurance coverage from a reliable insurance provider.




CALL (619) 296-0005

We specialize in providing comprehensive insurance solutions tailored to locksmith businesses, such as general liability insurance, commercial auto insurance, workers comp insurance and affordable bundled policies like business owners’ insurance, alongside other essential coverages necessary for a secure and thriving profession.

Our range of offerings includes both mandatory policies in California and optional, yet equally important, coverages. Don’t leave your business vulnerable; contact us today to discuss your right insurance plan. You can reach us by phone, or visit our insurance agency in person at 801 Washington St, San Diego.

Types of Locksmith Insurance

Locksmiths protect people’s property, but it’s time you protect yourself too. Proper insurance will make all the risks go away and these coverages we provide.

General Liability Insurance

GLI is very useful in unfortunate situations when a client, for example, trips over your worker’s toolbox and falls causing injury. The client can sue you for this, and general liability insurance will cover all the legal and medical costs of the entire process. Read more >>>

Business Owners’ Policy (BOP)

Business Owners’ Policy is a common insurance plan for most small businesses. The reasoning behind that is simple: BOP is a package policy that consists of general liability insurance (GLI), commercial property insurance and business interruption insurance. This package has a significantly lower price than the price of getting them separately.

Workers’ Compensation Insurance

Workers’ comp insurance is mandatory in California. It covers the medical bills of your employees, lost wages or even death benefits. This is needed for employee protection in every business. Read more >>>

Commercial Auto Insurance

If something happens to the van or any kind of business vehicle on the locksmith’s way to do the job, this policy will cover the repair cost. The accidents on the road usually come with injuries and possible lawsuits – so commercial auto insurance will also cover any medical bills and costs of the lawsuit if the employee isn’t guilty. Read more >>>

Contractors’ Tools and Equipment Insurance

If your tools and equipment have been damaged or broken and you need new ones, equipment insurance will cover the cost of any lost instruments during the job. This is the less expensive way to keep your business going.

Professional Liability Insurance

This policy, commonly referred to as Errors and Omissions Insurance (E&O), provides coverage for your locksmith business in the event of professional mistakes, such as causing damage to a door or improper lock installation. By securing this insurance, you can rest assured that the financial burden of these errors will be mitigated.

How to Get Locksmith Insurance Quote?

We value our clients’ time, so the initial process never takes too long. The only time we take it slowly is when you need time to decide which policies fit the best for your business. If you’re having trouble picking the right one, our experienced agents will gladly help you choose the perfect insurance plan. These are the following steps of our deal:

Step 1
Get in touch with us and provide us with all details regarding your business. Include the number of employees, vehicles, business locations, etc.

Step 2
We will choose the best combination of insurance policies from the insurance providers we work with.

Step 3
After we choose the policies, you pay the policy and start protecting your business. Simple as that!

How Much is Locksmith Insurance?

We work with different insurance companies, so we always make the best insurance plan exclusively for locksmith business owners. H&M insurance agency in San Diego connects the most effective and most affordable packages together and determines the final value. That value is always different based on many factors, such as:

  • The insurance provider that you choose
  • Equipment your business owns
  • The number of vehicles your business owns
  • The deductible and policy limits that you choose
  • Amount of insurance you need
  • The types of insurance that you choose
  • The number of your employees
  • History of claims
  • The services that your business offers

For comprehensive information and assistance in making an informed decision, we encourage you to contact us at (619) 296-0005. Our friendly staff is available to address any inquiries related to pricing and help guide you through the process.

locksmith insurance San Diego

Why do Locksmiths in California Choose Business Insurance at Our Agency?

We have been in business with many trusted insurance companies for more than two decades. Offering the highest quality service, we at H&M Insurance Agency thrive in our field of business thanks to our experienced and knowledgeable professionals. We are dedicated to protecting small businesses throughout San Diego and California.

Business owners trust us because of many reasons:

  • Quick and effortless creation of optimal coverage plans
  • Over 50 years of combined expertise
  • Exceptional customer support
  • Specialists in the California insurance market
  • Committed to securing the most competitive rates for comprehensive coverage
  • Representing renowned insurance companies
  • Cost-effective pricing and adaptable payment options
  • Meticulous attention to detail.

What Business Owners Say About Us

We’ve been with H&M Insurance since 2007 for all our insurance needs. In the past 10 years as we engaged in business, they’ve been our one-stop for workers comp, general liability, commercial auto and E&O. With that said we had auto and E&O. With that said, we had auto insurance claim that’s been handled professionally and timely. Goran is very knowledgeable, and his advice is always highly appreciated.

Val, La Jolla

Searching For Locksmith Insurance? You Just Found the Best One!

Take the first step towards safeguarding your business by filling out the form below for a free, no-obligation quote! Don’t leave your locksmith business vulnerable to the unexpected. Act now to secure your peace of mind by calling us at (619) 269-0005. Our friendly insurance experts are eager to guide you and provide the necessary information. Experience the difference that expert advice and comprehensive coverage can make.