Locksmith Insurance

Our cover for locksmiths is designed to protect your business against the risks you potentially face daily, including:

Property damage – You’re changing the locks at a customer’s home, and you accidentally damage the door jamb meaning the door won’t close properly and that part of the doorframe needs replacing.

Third-party injury – You’re fitting at new locking mechanism at a client’s premises when a member of the public walking by trips over your tools, falls and sustains an injury. As a result, they make a claim against you for compensation.

Theft or damage to tools and trade materials – Whilst working at a customer’s premises, your van is broken into by an opportunist thief and your tools are stolen.

At Caunce O’Hara we offer you the ability to customise your locksmith insurance to meet the specific needs of your business. If you simply want public liability insurance, that’s fine with us. If you want additional protection for your employees, work accidents, or negligence claims, we can help with that too. Our range of insurance policies suits most trades sector requirements.

Caunce O’Hara are specialists for trades insurance. These are just a few of the reasons to choose us for your cover:

Quick online quotes

By completing our simple online quote form, you can get a quote in as little as 90 seconds.

Affordable protection

We have always strived to provide value for money for our clients. Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.

Platinum rated customer service

Looking after our customers has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.

Over 25 years’ experience

We have been offering business insurance to self-employed professionals since 1995. As a result, we understand the needs of self-employed business owners and freelance contractors, which enables us to provide the cover you need.

The cost of an annual locksmith insurance policy varies depending on your type of cover and the level of cover you need based on the size of your business, the equipment you use, and whether you employ staff.

Our locksmith insurance starts from £71.00* per annum. For a clearer idea of how much you can expect to pay for your cover, simply get a quote today.

*Price based on a locksmith requiring £1million of public liability insurance.

As well as public liability insurance, we offer a range of insurance covers for your individual circumstances, including:

• Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
• Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
• Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
• Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
• Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
• Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
• Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.

Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ.