By law, locksmiths operating in Cape Coral are not required to have insurance. Miami-Dade County is the only area where locksmith insurance is a legal requirement. However, this doesn’t mean that you shouldn’t make insurance a requirement during your search for a locksmith.
At one point or another, you are going to require the assistance of a residential or commercial locksmith and there are several reasons why you should rather hire an insured professional.
For one, insured locksmiths are more reliable and have a stronger reputation in their community – a good indicator that they have the necessary skills and experience.
An insured locksmith has the customer’s best interests at heart. Having insurance ensures that you are covered should anything go wrong during a locksmith job. This way, you don’t need to claim from your own insurer or fork out additional money for repair costs. Not to mention having to make the time to report an unprofessional locksmith and schedule the repairs.
Since insurers have specific criteria that locksmiths need to meet, you can rest assured that an insured locksmith has the necessary training and is using the right equipment.
Reputable locksmiths readily display the fact that they’re insured on their websites. If not, don’t hesitate to ask about insurance when you call for a quotation. If you wanted to take it a step further, you can even ask them to bring proof of insurance along with them once you agree to a call-out.
The bottom line is that you don’t need to hire an insured locksmith, but it will certainly give you much greater peace of mind.
