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Locksmith Licensing and Insurance: What to Verify
Verify Before You Hire

Locksmith Licensing and Insurance: What to Verify

When a locksmith works on your property, you want assurance that any damage or theft is covered, and that they are legally licensed to do the work in your state. Here is what to check before hiring a local locksmith.

Locksmith licensing by state

StateLicense Required?Issuing Agency
CaliforniaYesBSIS
TexasYesTDLR
NevadaYesPILB
VirginiaYesDPOR
New JerseyYesDCA

Many other states have no statewide locksmith licensing requirement, which makes verifying insurance and bonding even more important. See our full guide to verifying a locksmith is licensed and legitimate.

Why insurance and bonding protect you

When a locksmith works on your property, you want assurance that any damage or theft is covered.

Frequently Asked Questions

Do locksmiths need to be licensed?

It depends on the state. States including California (BSIS), Texas (TDLR), Nevada (PILB), Virginia (DPOR), New Jersey (DCA), and Alabama require locksmith licensing. Always verify your local locksmith's license with the issuing state agency before hiring.

How much insurance should a locksmith carry?

Ask for at least $1M in general liability coverage. This protects you if a locksmith accidentally damages your property or door hardware during a job.

What is a surety bond and why does it matter?

A surety bond, typically around $10,000 for small locksmith operations, is a financial guarantee that compensates you if the locksmith fails to complete a job properly or acts fraudulently. Ask to see a certificate of insurance and bond before work begins — it only takes about two minutes to request and review.

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