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Professional locksmith services require that you receive training and spend time to become qualified for the work. When you become a qualified locksmith, it’s important to protect yourself and your business from risks faced on the job. 

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Why Do You Need Locksmith’s Insurance? 

You have a very intricate, delicate job to manage. As a locksmith specialist, you know it pays to work carefully; however, even the most talented locksmith could make a mistake, cause damage to property, and more. 

Locksmith insurance is available to help protect you, your business, and your clients. Consider this. What would happen if a client tripped over toolbox and were injured? In most cases, clients are within their right to request compensation. 

Compensation can be quite expensive. Does your business have the funds to pay this type of unexpected expense out of pocket? Compensation claims can result in the closure of your business, which results in the loss of your livelihood. This is why you need locksmith insurance. 

Locksmith Insurance
Locksmith Insurance

Do I really need locksmith’s insurance? 

Consider what would happen if you or an employee caused an accident at a client’s home. Perhaps as you work, some of the tools left in your van have been stolen.

Or what if a client or an employee are injured on the job? Can you afford to cover these hefty, unexpected expenses? 

If not, then you need locksmith’s insurance. It will protect you and your business from these and other types of losses, damage, and compensation. 

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Locksmith Insurance FAQs

Types of Locksmith Insurance

There are several types of coverage available to locksmiths: 

Public Liability Insurance

This type of coverage protects your business against compensation claims made by a third party. It covers injuries or damage to third parties that result from your business operations. 

Tools Insurance

Tools insurance coverage is meant to protect your tools against damage, theft or loss. 

Employer’s Liability Insurance

If you have one or more employees, you’re legally required to have employer’s liability insurance. This coverage protects your business if employees make claims for injuries or illness caused when working for your company. 

Personal Accident Insurance

Personal accident protection covers you in case you are injured or become ill while working. What would happen if you were injured and couldn’t return to work right away? Would you have an income to cover living expenses when you’re unable to work? With personal accident insurance, you’re covered. You’ll have an income to pay bills and more as you recover.

Business Interruption Insurance

Business interruption insurance protect your business if your business is damaged, hit by thieves, and more. This is coverage steps in to pay for bills and other business expenses if your company is unable to operate. It keeps paying out until your business has recovered. 

Commercial Legal Protection

This is another type of insurance that can save you and your business. It covers all legal expenses that result from tax & VAT disputes, employment disputes, compensation awards, as well as jury service allowance (for employees who are contacted for jury duty).

How much does locksmith insurance cost?

That answer depends on several factors including the size and location of your business, the level of insurance you choose, the types of coverage you choose, and more. 

Remember the level of insurance, the higher your premium will be. 

How much locksmith insurance do I need?

You need enough insurance to cover the worst possible case you can imagine. Consider the types of jobs you work on, and how large they can be. Use this as a guide to determine how much insurance you require. 

It’s also possible to speak with our insurance advisors for this and any other questions you may have. They’ll help you find the answers you need. 

What does my policy cover?

You can find this information in your locksmith insurance policy. We recommend thoroughly reading through these documents, so you’ll know what’s covered or not. 

And if you have any questions, you can reach out to the insurance provider. They’ll have the information on your specific policy. You can also reach out to our team—we’ll help you find the answers you need. 

Comprehensive Locksmith Insurance Coverage

With our services, you’ll be able to tailor your locksmith insurance policy to meet your specific needs. You’ll find this insurance can protect you for work done in residential settings, as well as on larger commercial projects. 

We make it easy and fast to find the right locksmith insurance coverage for your company. All you have to do is provide a few details about you and your company, then within minutes our trusted insurance partners will send back quotes. You can then review each quote and contact the provider with specific questions on their policy. That’s all there is to it! 

And if you have any questions on the locksmith insurance, the amount of coverage you need, or any other questions, just reach out to us. We’re here to help you find the best locksmith policy for your unique locksmith business. 

And if you have any questions, you can reach out to the insurance provider. They’ll have the information on your specific policy. You can also reach out to our team—we’ll help you find the answers you need. 

What our customers say about us

Our support does not end with the purchase of your cover. We are here to support you when you need us.

If you have questions or would like to update, or renew your policy, all you have to do is contact us. We will also help if you need to make a claim.

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