Many jurisdictions and commercial clients require it. It's separate from your liability coverage.
Tools and equipment covers them, including in the mobile service vehicle.
General liability responds to property damage during lockout service, which is a frequent small claim.
Yes, and a significant one. Crime coverage responds to employee dishonesty involving access information.
Potentially, if faulty installation is alleged. Completed operations responds, and documentation of work matters.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
