Tempe business owners rely on locks to keep their buildings secure. Insurance companies review the quality of these locks when issuing or renewing policies. Understanding lock grades helps ensure your property stays protected and your insurance remains valid.
What Are Lock Grades and Why Do They Matter?
Lock grades are set by the American National Standards Institute (ANSI) and the Builders Hardware Manufacturers Association (BHMA) in the United States. These grades indicate how strong and durable a lock is under force or repeated use. Choosing the right grade affects both security and compliance with insurance standards.
The three main lock grades are:
- Grade 1: The highest commercial grade. It is built for exterior doors and areas needing strong protection. Grade 1 locks withstand significant force and provide long-lasting security.
- Grade 2: The mid-level grade. Businesses often use these on interior doors or low-risk entry points. They offer solid security at a moderate cost.
- Grade 3: The basic residential grade. These locks are best for interior home use and do not meet most commercial insurance requirements.
How Lock Grades Impact Business Insurance
Insurance companies in Tempe check lock grades during risk assessments. If your locks do not meet their requirements, they may increase your premiums or deny your claims. Using higher-grade locks shows you take property security seriously.
For example, a break-in through a door with a Grade 3 lock may result in a denied claim. The insurer can argue that the lock failed to meet policy standards. Upgrading to Grade 1 locks on exterior doors reduces this risk and helps maintain coverage.
Example Scenario: Retail Store in Tempe
Imagine a small retail store in Tempe with Grade 3 locks on its main entrance. Thieves force the door open overnight and steal cash and products worth thousands. The owner files an insurance claim to recover the losses.
During review, the insurer notes the policy requires Grade 1 deadbolts for all exterior entries. Because the store used low-grade locks, the claim is denied. Upgrading locks in advance would have protected both the store and the claim.
How Can a Locksmith Help with Lock Grades?
A professional Tempe locksmith plays a key role in lock grade compliance. First, they can inspect existing locks to identify which grades are installed. Then, they recommend upgrades to meet insurance or security needs.
Anderson Lock and Safe offers these services to Tempe businesses. Our team replaces outdated or non-compliant locks with Grade 1-certified hardware and helps integrate locks with other security systems for improved building protection.
Insurance Requirements in Tempe Workplaces
Most business insurance policies in Tempe specify lock grade standards. For coverage to remain valid, policies often require Grade 1 deadbolts on all exterior doors. Some may also require reinforced locks on storage rooms with valuable inventory.
Additionally, insurance providers expect compliance with local building codes. This includes using locks that meet both ANSI standards and fire safety regulations. Always review your policy or consult your agent before installing new hardware.
Anderson Lock and Safe: Your Tempe Partner for Compliance
Anderson Lock and Safe supports Tempe businesses with their lock and security needs. We install high-grade commercial locks to strengthen security and meet insurance terms. Our team also designs master key systems to simplify access while protecting sensitive areas.
We offer access control solutions to manage employee and visitor entry efficiently. Our technicians help businesses remain compliant with insurance standards and local codes, protecting both their property and their ability to make claims after incidents.
Secure Your Business and Protect Your Claims
Choosing the right lock grades is a decision that protects more than your building. It secures your insurance claims and shows you take responsibility for workplace safety. Businesses that invest in Grade 1 locks build both a stronger defense and insurance compliance.
Contact Anderson Lock and Safe today for a lock grade evaluation. We help Tempe businesses install locks that protect assets and maintain peace of mind with insurers. Your security starts with choosing the right hardware for every door.