The Importance Of Using A Licensed And Insured Locksmith

When it comes to taking care of your commercial locksmithing needs, it's always important to choose a locksmith who not only has the knowledge and experience, but also the credentials to back up their work. Unfortunately, many businesses are tempted to save a little money by taking a chance on someone who may not be licensed, insured or bonded.

The following explains the importance of hiring a licensed locksmith, as well as how you can make sure your next commercial locksmith has all the right credentials.

Only Licensed and Insured Locksmiths Have the Knowledge and Experience

When a locksmith isn't insured, licensed or bonded, there's also a good chance that the locksmith isn't experienced, either. It's not out of the ordinary for an unlicensed locksmith to have only rudimentary knowledge of their supposed craft, given that properly credentialed locksmiths often spend years carefully studying and honing their craft.

It's also likely that an unlicensed locksmith hasn't undergone the training and skills testing that many legitimate commercial locksmiths undergo in order to keep their skills sharp. When it comes to changing locks or installing a new entry system for your office, warehouse or other property, you'll want someone who has the training and experience to get the job done with few issues.

You Won't Be on the Hook for Structural Damages

While the vast majority of locksmith jobs go off without a hitch, there are a few cases where a difficult job could easily result in damages caused directly to the lock, the door or other surrounding structural components. If your locksmith causes accidental damages to your building, the locksmith normally assumes liability for the damage and, in most cases, has the damage taken care of through their insurer.

If your locksmith is uninsured, then the locksmith's ability to cover accidental damages shrinks dramatically - that is, if the locksmith is willing to cover the damage at all. As a result, the locksmith might not be held liable for damages. Instead, you'll likely have to pay to have the damage repaired out-of-pocket or rely on your own property insurance or umbrella coverage to cover the costs.

You Won't Be Liable for Injuries

In addition to regular insurance coverage, a typical reputable commercial locksmith also carries worker's compensation coverage. This coverage handles just about any injury that happens to the locksmith during a job. However, there are those who choose to forgo this coverage in an attempt to reduce overhead expenses.

In the event that an uninsured locksmith ends up being injured on the job, it's likely that you may become liable for those injuries. That means you could wind up paying for that locksmith's injuries through your own insurance coverage or even out-of-pocket. Hiring a locksmith that doesn't have their own worker's compensation coverage could expose you to a number of unforeseen liabilities that may prove very expensive in the long run.

Always Check Credentials Before Hiring

It's important to make sure that whoever you hired to take care of your commercial locksmithing needs has the proper licensing and credentials on hand. In most cases, you can simply ask for proof of their locksmithing or contractor license, which usually comes in the form of a card or number. Many states, including California and New York, offer free online databases that allow you to cross-reference and verify licensing credentials. A legitimate, certified locksmith should have no problem showing you proof of their licensure.

Making sure your next commercial locksmith is properly licensed and insured is the best way to ensure a job well done and that you're not exposed to potentially expensive and unforeseen liabilities. Contact a company like Top Security Locksmiths for more information.