Florida House mandates liability insurance for locksmith services businesses

A new legislative proposal, House Bill 1311, is making waves in the Florida State Legislature, aiming to tighten regulations on locksmith services. Introduced on February 27, 2025, the bill mandates that all locksmith businesses maintain a minimum liability insurance coverage of $100,000 per incident. This move is designed to protect consumers from potential losses or damages resulting from negligence by locksmiths or their employees.

The bill outlines that locksmith services must present proof of this insurance before obtaining or renewing their licenses, with the Florida Department of Business and Professional Regulation named as a certificate holder. Failure to comply could lead to immediate suspension of the business's license, effectively halting operations.

Supporters of HB 1311 argue that the legislation is a necessary step to enhance consumer protection and ensure accountability within the locksmith industry. They highlight the potential risks associated with locksmith services, which often involve access to private properties and sensitive areas. By requiring insurance, the bill aims to provide a safety net for consumers who may suffer damages due to negligent practices.

However, the bill has not been without controversy. Critics argue that the insurance requirement could impose financial burdens on small locksmith businesses, potentially driving some out of the market. They contend that while consumer protection is essential, the legislation may inadvertently limit competition and accessibility within the industry.

As discussions continue, the implications of HB 1311 could reshape the locksmith landscape in Florida. If passed, it may set a precedent for similar regulations in other states, reflecting a growing trend towards increased accountability in service industries. The bill's progress will be closely monitored as stakeholders weigh the balance between consumer safety and business viability.