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LocksmithInsurance
Locksmith Insurance
Public liability and professional indemnity cover built for locksmiths, including the trust that comes with gaining entry to other people’s properties.
Public liability and professional indemnity cover built for locksmiths, including the trust that comes with gaining entry to other people’s properties.
Damage during entryTools & stockSecurity advice
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is locksmith insurance?
Locksmith insurance is a combination of covers built around gaining entry, fitting locks and advising on security, public liability for damage caused while gaining access, professional indemnity if your security advice or installation turns out wrong, and employers’ liability if you have staff.
Few trades are given as much trust as a locksmith, you’re called to break into a property, and relied on to fit something that keeps it secure afterwards.
Locksmith insurance can include:
Public liabilityEmployers’ liabilityProfessional indemnityTools & equipmentSecurity advice coverBusiness van insurance (separate policy)
Cover often bought alongside locksmith insurance
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Professional Indemnity
Covers claims that your advice or design was negligent and caused a loss.
Business Contents
Protects locks, stock and equipment kept at a unit.
Tools & Equipment
Covers your tools against theft from the van or site.
Do you need public liability or professional indemnity?
Do you need public liability or professional indemnity?
Many locksmiths need both. They cover different kinds of mistake.
Many locksmiths need both. They cover different kinds of mistake.
| Situation | Public liability | Professional indemnity |
|---|---|---|
You gain entry and cause damage to a door or frame | Usually enough on its own | Not the main risk |
You recommend or fit a security system that fails | Recommended alongside Professional Indemnity | This is exactly what it’s for |
Your work damages a client’s property | Covers the physical damage | Won’t respond to physical damage on its own |
A property is broken into after your work | Only if your work caused injury or physical damage | Covers a claim that your security advice was wrong |
Top Tip
Forcing entry is physical work, that’s public liability. Advising on or fitting security that doesn’t hold up is professional advice, and that’s what professional indemnity is for.
How much does locksmith insurance cost?
There’s no fixed price. It depends on the type of locksmith work you do, whether you have staff, your level of cover and your claims history.
Type of work
Emergency entry work carries different risk to routine lock fitting.
Level of cover
Adding professional indemnity increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Security & alarm work
Advising on or installing security systems can affect your risk profile.
Value of your tools
More expensive equipment means a higher tools cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get locksmith insurance
How to get locksmith insurance
Getting locksmith insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting locksmith insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
The type of locksmith work you do, and whether you have staff.
2
Choose your covers
Public liability, professional indemnity and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Locksmith insurance guides
Locksmith insurance guides
Practical advice on cover, entry work and staying protected.
Practical advice on cover, entry work and staying protected.
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Locksmith insurance FAQs
Locksmith insurance FAQs
Straight answers on cover, entry work, security advice and cost.
Straight answers on cover, entry work, security advice and cost.
Locksmith insurance is a combination of covers built around gaining entry, fitting locks and advising on security: public liability for damage caused while gaining access, professional indemnity if your security advice turns out wrong, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related trades we cover
Related trades we cover
Locksmiths often work alongside these trades. Each has its own cover requirements.
Locksmiths often work alongside these trades. Each has its own cover requirements.
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Glazier Insurance
Windows and doors, where locks and glazing are fitted together.
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Handyman Insurance
General property work that often includes lock changes.
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Carpenter & Joiner Insurance
Door hanging and frames that locks are fitted into.