Locksmith Insurance

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Becoming a professional locksmith takes a lot of time and training and once qualified you need a quality locksmith insurance policy to protect you if something goes wrong.

Accidents happen when you least expect them, and the smallest mistake could have disastrous consequences; that’s where we come in. We arrange tailored cover to suit your business, whether you’re cutting keys or fitting high-end security systems. We'll arrange flexible, quality cover that you can build upon as your business grows, meaning you only pay for the cover you need.

If you know what you need, you can compare quotes online from a panel of trusted insurers in a matter of minutes to get the protection that’s right for you. It's simple hassle free insurance that you can manage in your own time. Alternatively, if you need advice you can speak to our expert advisors to get professional guidance for all your business insurance needs.

We source locksmith insurance quotes from some of the UK’s leading insurers to get your business the protection it needs. We understand the nature of your business can take you here, there and everywhere, no two jobs are the same and you never know what problem you will be asked to solve next. We are here to make arranging your insurance simple and hassle-free so you can concentrate on running your business.

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If you know the covers you require, it's quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.

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Locksmith insurance cover in detail

What is locksmith insurance?

Locksmith insurance is an insurance package designed to cover the work that locksmiths carry out each day. You may be working alone, or hire people to help out; so whatever your needs, we can arrange the right locksmith insurance for you.

Locksmith insurance can cater for all your activities, whether you are focused on domestic work or larger commercial jobs. Cover can be selected to meet your needs, whether you employ a team or work as a one-man band.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Locksmith's public liability cover

Public liability insurance is essential to protect you, your clients, suppliers and other members of the public. If someone fell over your tools sustaining an injury, then your public liability insurance should cover any compensation awarded as a result, as well as any legal and medical costs. Similarly, if you accidentally smashed a pane of glass in a door whilst changing a lock, this should be taken care of by your public liability insurance.

Employers' liability insurance

If you employ staff, then you will need to take out an employers' liability insurance policy to fulfil your legal requirements, as well as protect your staff against injuries at work. Typically your locksmith insurance would protect you up to a specified amount for employers' liability claims.

Personal accident cover

If you were to injure yourself at work, for instance breaking your wrist, then personal accident cover can provide a weekly benefit to tide you over until you are back to full health.

Property covers for locksmiths

As a locksmith, you'll require a number of tools and specialist products to do your job effectively. If you have an office or storage or lock-up for your equipment you should also consider cover for your buildings, contents & stock.

Business interruption insurance

Business interruption cover can also be added to your locksmith insurance to protect your income and fixed expenses should something happen. This means that if your tools were damaged, your income would be protected until you are able to trade again.

Commercial legal protection

It may be worthwhile considering the need for commercial legal expenses to safeguard against tax and VAT disputes, employment disputes and compensation awards as well as jury service allowance.

Van and vehicle cover

A commercial vehicle or van could be a crucial part of your business; whether it’s for deliveries, tools, or even just getting to and from your customers on a daily basis, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for locksmiths.

Tool covers for locksmiths

You may also wish to protect your tools and equipment against theft and damage. You can select the level of tool cover you would like, meaning that you only pay for the cover that you need.

Locksmith insurance FAQs

Do I need locksmith insurance?

As a professional locksmith, you will need comprehensive insurance to safeguard against a number of eventualities that could lead to financial loss, or claims being made against you.

We can source insurance for locksmiths from a range of UK insurers to get the protection you need for your business and to protect your livelihood. So for advice speak to us today and we'll be happy to help and provide the support you and your business needs. Alternatively, if you know your insurance requirements simply go online to compare quotes in minutes.

What covers do locksmiths need?

At Premierline, we offer locksmith insurance that can be as simple or comprehensive as you require depending on your business. When thinking about what insurance and covers you need to protect your business, you should consider the following:

Public liability – to cover you against unforeseen events that could leave you and your business exposed to financial loss.
Employers' liability – to protect your employees against accidents at work and any damages awarded as a result.
Personal accident cover - to tide you over in the event that you injured yourself at work.
Tools & plant - to protect your tools, equipment, and plant.
Buildings cover – to cover for loss or damage to your business premises.
Contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Contract works - designed to cover work that’s underway on a construction site.
Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
Commercial vehicle cover - if you use a vehicle or a van for business.

More information

How much does locksmith insurance cost?

The cost of locksmith insurance depends on a range of factors including the size of your business, and the level of cover that you need. Get a tailored quote online or contact one of our business insurance specialists to find out how much your locksmith insurance might cost to protect yourself and your business from unforeseen circumstances.

Why choose Premierline to arrange locksmith insurance?

We have many years of experience arranging locksmith insurance so we’ve really got to know the covers that different types of locksmiths need. We are here to make sure that you have the best covers to protect you against the risks you face on a daily basis.

You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a locksmith insurance quote today.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Contractor Insurance Experts

We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“A very competitive price. Painless renewal on my public liability insurance. Would recommend Premierline for all business insurance needs.”

Contractor Business owner

Customer since October 2021

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

Don't just take our word for it, read more of our customer testimonials and reviews.

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Speak to a locksmith insurance expert

You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a locksmith insurance quote today.