What do locksmiths do?

Locksmiths are important for maintaining their customers’ safety and security. Whether it’s something simple, like changing a lock or replacing a set of house keys, or something a little more complicated, like installing a new security system to give them peace of mind – the work you do is important.

Why do locksmiths need business insurance?

No business is ever completely immune to accidents, and when they happen it’s best to be prepared. What would happen if you were to damage property when you’re trying to fit a new security system?

In cases like this, you’ll need business insurance to cover the resulting claim. Without insurance you’ll be financially responsible for any claims, which could be detrimental to your business.


What does locksmiths’ insurance cover?

There are various types of insurance you might want to consider as a locksmith, depending on your business and the work you do.

Public liability insurance

This will protect you from claims made against you if a member of the public is accidentally injured, or their property is damaged through your work. For example, if a customer were to trip over your tools and get injured, we’ve got your back. Our public liability insurance will cover you for up to £5 million as standard under our policy.

Find out more about public liability insurance

Tools insurance

Tool insurance from AXA comes in two variations to cover all your needs. Own plant, tools and equipment will protect any tools that belong to you, while hired-in plant cover is there to cover any specialist gear that you are renting out to get a job done. We’ll protect you against accidental loss, theft and damage.

Find out more

Employers’ liability insurance

This is a legal requirement if you have any employees who work for you, and it’s there to protect them in case they are accidental injured or fall ill as a result of working for you. We know that employees are the backbone of your business and that’s why we’ll pay up to £10m for compensation and legal costs to defend a claim made against the insured.

Find out more about employers liability insurance

Locksmith insurance FAQ

How much does locksmiths’ insurance cost?

There are many things that are taken into consideration when it comes to cost of your premium, which means there’s no set price for a policy.

Our cover is tailored to your business’s needs, so can rest assured that you’ll only ever pay for the cover you need. The easiest way to unlock your price? Get a quote today and save 10%* on the cost of your policy when you buy online.

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*This discount is applied automatically and lasts for the lifetime of your policy.