Locksmith Insurance

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Locksmith Insurance

As a locksmith, people and businesses entrust you with securing their homes and businesses. It’s therefore vital that you have the right insurance in place in the event that something goes wrong, as well as to protect your business assets. BJP Insurance Brokers provide comprehensive insurance for locksmith businesses.

  • Free quotes – from a range of leading UK insurers
  • Flexible payment and finance options
  • Tools cover – including tools left in vehicle
  • Personal injury cover

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Locksmith insurance

Bespoke insurance and risk management programmes for all sizes of business

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What covers can BJP provide for a locksmith?

As an Independent broker we have access to specialist locksmith insurance schemes so we can ensure your business is protected correctly with all of the key covers you are likely to need:

Public Liability

Public Liability insurance is invariably one of the most important covers that a locksmith will need. By the very nature of your work you are going to be on site at other peoples properties. Should a claim be made that you have caused injury to members of the public or damage to their property in the course of your work, public liability can protect you from the financial costs of defending the claim, as well as any pay out that is subsequently agreed, up to the policy indemnity limit .

Employers Liability

Where you have people working for you – even as part time, casual or sub contractors, you need to have Employers Liability Insurance in place. It works in a similar way to Public Liability Insurance, but where a claim is brought by an employee.

Product Liability Insurance

You might supply everything from a simple new door through to a full security system. Where you supply a product that is subsequently alleged to have caused injury or damage, you may find yourself facing a claim. A product liability cover can protect you from costs in this situation.

Professional Indemnity for locksmiths

When asked to take on a new job, it’s likely that you’ll effectively design and recommend a lock or security system. Offering professional advice in this way is exactly what your customers will expect. But should something go wrong, you could face a claim that your professional advice was deficient in some way – or just plain wrong. Even where you are subsequently proven to be innocent, legal defence costs can escalate quickly, so its well worth having Professional Indemnity cover in place.

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For independent advice and fast quotes for your locksmith insurance needs

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Other insurance for locksmith businesses to consider

There are a range of other covers that you may wish to consider as part of your locksmith insurance policy. These are things that may be relevant to many businesses. You can decide and choose which ones may be appropriate.

  • Contents – Including Portable Equipment
  • Stock
  • Loss of Keys Cover
  • Fidelity Bonding
  • Fleet or Commercial Vehicle Insurance

How much does locksmith insurance cost?

As demonstrated above, there are a wide range of covers that you may require. On top of that, you may want to adjust or specify particular indemnity limits (the maximum amount a cover will payout in the event of a claim). Naturally these affect the cost of the insurance for locksmiths. Working with an insurance broker like BJP means we can tailor the covers required – ensuring you get the adequate protection you need, without paying for things you don’t want.

To receive a quote, or to seek advice from one of our insurance advisers about Locksmith Insurance, please complete the enquiry form and we’ll be glad to assist you. An adviser will contact you within a working day to discuss your requirements. Or you can call us on 0345 365 2121 to obtain further information or for a full quotation to suit your needs.