Locksmiths Insurance

Locksmiths Insurance

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As a locksmith, you’ll be exposed to a number of risks which are very specific to your type of business. This is why an insurance policy which is designed for you and your business will be essential. 

At Brisco Business, we specialise in helping professionals, contractors and businesses protect against the unexpected. Whether you’re looking to protect against lost income, damage to property or personal injury we can help you find a comprehensive locksmiths insurance policy which protects you and your business.

Compare quotes for locksmiths insurance along with many other types of tradesman insurance with Brisco Business now and find a policy with covers to meet your needs.

There are several benefits to shopping for insurance with Brisco over Locksmiths Insurance brokers. Our platform provides access to a wide array of insurers, ensuring you find the most comprehensive coverage options at the best prices. With round-the-clock availability and a user-friendly interface, Brisco empowers you to make decisions tailored to your unique business requirements.

We partner with some of the UK’s most trusted locksmiths providers, so that you can compare insurance quotes and choose the options that suit you best.

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How does locksmith insurance work?

Locksmith insurance is there to protect against common risks to your business. For example, if you can’t work because of injury it will cover your lost income. If your equipment is damaged it will pay for replacements.

Do I need liability insurance?

Yes, if you visit customer’s homes, you are required to protect them for any personal injury they suffer. Likewise, if you cause damage to a client’s property while working, you may have to pay compensation. This could be a considerable expense without insurance for locksmiths.

Are there any exceptions?

Check the small print of any policy. Firms may not cover certain issues and they may only extend cover to a specific value. You must check that you’re covered for everything you will need before signing on the dotted line.  With Brisco Business, you will be presented with all the options before choosing the policy which best meets your needs.

How can I reduce my premiums?

The best advice is to shop around and use your power as a customer. The more you do this, the easier it is for you to find the right insurance policy for your needs and get a better deal.  With Brisco Business you can compare all the leading insurers to find the right cover you need.

What trade insurance does a locksmiths business need?

As a locksmith, you are in the business of protecting people and their property. In order to do your job effectively, you need to have the right insurance in place to cover any legal expenses. Types of locksmith insurance cover include:

  • Employers liability insurance – a legal requirement
  • Equipment and tools insurance.
  • Professional indemnity insurance.
  • Personal Accident Insurance
  • Public liability insurance

Why do I need tradesman liability insurance?

Public liability insurance is especially important for tradespeople. This is because the work you do can often put you in contact with members of the public, which increases the risk of something going wrong.

For example, if you are a locksmith and you damage a customer’s property while working on it, you could be liable for legal expenses and  the cost of repairs if you don’t have locksmith insurance.

How much does locksmiths public liability insurance cost?

The cost of tradesman liability insurance varies depending on a number of factors, but it is typically very affordable, especially when you compare it to the cost of not having insurance.

Get in touch with a specialist tradesman liability insurance broker to find out more about the liability insurance cover available and get a quote for your business.

Do I need locksmith insurance if I’m self-employed?

Yes, if you are self-employed as a locksmith, you should still have trade insurance in place. The work you do could still result in third party injuries or damage to property.

Having insurance cover will protect you from financial loss if something does go wrong, and it will also give a member of the public peace of mind that they are working with a professional who takes their responsibilities seriously.

What is tradesman liability insurance?

Tradesman public liability insurance covers a wide range of risks, including:

  • Injuries to third parties – If you injure someone while working, they could sue you for damages.
  • Damage to property – If you damage a customer’s property while working on it, they could sue you for the cost of repairs.
  • Finance loss – If you are sued by a third party, you will need to pay for legal representation

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