Locksmiths

What Does GL Code 14913 Cover?

ISO GL class code 14913 covers businesses primarily engaged in locksmith services, including the installation, repair, and maintenance of locks, keys, and security hardware for residential, commercial, and automotive clients. This class also encompasses services like rekeying, master key system creation, and emergency lockout assistance, classifying operations based on gross receipts.

Who Uses This Class Code?

This code applies to independent locksmiths, mobile locksmith services, key cutting shops, security hardware installers specializing in locks, and businesses providing emergency lockout and rekeying services for homes, businesses, and vehicles.

Common GL Claims for This Class

Common General Liability claims for locksmiths include property damage during installation (e.g., scratching doors or damaging frames), faulty workmanship leading to security breaches, and bodily injury from dropped tools or accidental slips on client premises.

Coverage Tips for Code 14913

• Verify your General Liability policy includes coverage for "Care, Custody, or Control" if you frequently work on customer property, as this is often excluded.
• Ensure your policy provides coverage for "Errors and Omissions" (E&O) or Professional Liability, as mistakes in rekeying or security system installation can lead to significant financial loss for clients.
• Maintain accurate records of all services performed, including client agreements and waivers, to mitigate audit exposure and provide defense in the event of a claim.
• Confirm your Florida locksmith license is current and prominently displayed, as operating without proper licensure can void coverage or lead to regulatory penalties.