Locksmiths Insurance
Protect your locksmith business from property damage claims, security-related disputes and tool theft with cover designed for your trade.
Get in touchWhat is locksmiths insurance?
Locksmiths insurance is a specialist policy that protects locksmith businesses from the unique risks of gaining entry to properties, installing security systems and providing emergency call-out services. It typically includes public liability, professional indemnity and tools cover.
Working on clients' doors, locks and security systems means you could face claims for property damage, faulty installations or security failures. The right insurance protects your business against these risks.
Find cover options from specialist insurers who cover the locksmith trade, ensuring your cover accounts for emergency call-outs and security system installations.
Public Liability
Covers claims if you damage a client's property while gaining entry or fitting locks.
Professional Indemnity
Protects you if a client claims your security advice or specification was inadequate.
Tools and Equipment
Covers your specialist locksmith tools, key-cutting equipment and diagnostic devices.
Employers Liability
Required by law if you employ anyone, covering injury and illness claims.
Who needs locksmiths insurance?
Emergency locksmiths
Providing 24-hour lock-out and emergency entry services
Auto locksmiths
Specialising in vehicle lock-outs and key programming
Commercial locksmiths
Installing and maintaining security systems for businesses
Master key system installers
Designing and fitting master key and restricted key systems
Safe engineers
Working on safes, vaults and high-security containers
WHY CECIL
Built differently.
Cover for property access risks
Gaining entry to properties carries inherent damage risks. Cecil finds insurers who cover locksmiths specifically, so accidental damage to doors and frames is included.
Professional indemnity for security work
If a client claims your lock installation or security advice was inadequate, professional indemnity covers the claim. Cecil makes sure this is part of every locksmith policy.
Tools and diagnostic equipment covered
Locksmith tools and electronic diagnostic equipment are expensive and portable. Cecil ensures your cover protects these items in your van, on site and at your workshop.
Quick quotes for busy locksmiths
Emergency locksmiths need cover sorted quickly. Get your options in minutes with no lengthy forms or phone calls.
Common questions about locksmiths insurance
Do locksmiths need public liability insurance?
Public liability is not a legal requirement, but it is essential for locksmiths. You are working directly on clients' property and security systems, so the potential for damage claims is significant.
Do locksmiths need professional indemnity insurance?
If you advise clients on security solutions or specify hardware, professional indemnity protects you against claims that your specification was inadequate.
Does locksmiths insurance cover damage when gaining entry?
Yes, accidental damage to doors, frames and surrounding property during a lock-out is typically covered under your public liability policy.
What level of public liability do locksmiths need?
Most locksmiths carry between £1m and £2m of public liability cover. Commercial security work may require higher limits.
Is there specialist insurance for auto locksmiths?
Auto locksmiths face specific risks related to vehicle entry and key programming. Cecil works with insurers who include cover for accidental vehicle damage during lock-out work.
Interested in Locksmiths insurance?
We will be in contact when Cecil launches.