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Locksmith Insurance

Comprehensive insurance cover for self-employed locksmiths.

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Cover for your business, staff, tools and equipment

Quick online quotes in less than 90 seconds

Rated 4.7 out of 5 by our customers on Feefo

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It’s common for people to lose their keys or even breaking a key in a lock, or simply having issues with their locks which don’t allow them to secure their homes or business premises, which is when your services are required to save the day!

Our locksmith insurance provides expert cover for a range of risks you face daily, providing you with peace of mind to get on with your job knowing you’re covered should something go wrong when you’re helping your customers keep their property secure.

What is locksmith insurance?

Locksmith insurance provides cover for your business against the unexpected, such as a client’s property becoming damaged because of your work, or a member of the public sustaining an injury that you’re allegedly responsible for, or your tools and equipment being stolen, lost or damaged.


Why do locksmiths need business insurance?

As a locksmith, your work can cause personal injury and property damage. No matter how careful you are, accidents can happen, and if property damage does occur or someone does get injured, whether it’s on their premises or yours, you could be held liable and find yourself facing a claim. For example, you could irreparably damage a client’s door, or a passer-by could trip over your tool bag and sustain an injury.

Without the right level of locksmith insurance in place you could find yourself facing legal costs that could have serious financial implications for your business.

Our insurance policies can provide you with the peace of mind that, if something goes wrong, you’ll be covered if you need to defend a claim against yourself. We also offer a range of insurance policies if you staff, for your tools, personal accidents, and claims of alleged negligence in your work.

Why choose Caunce O'Hara for your locksmiths insurance?

As trades insurance experts, we're your number one choice for your business protection.

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Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

Golden star
I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
Golden star
Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Golden star
Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
Trusted Customer

Frequently asked questions about 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.

Insurance policyLowest excessHighest excess
Public liability insurance£250£250
Employers’ liability insurance£0£0
Tools & trade materials cover (only available with the public liability policy)£250£250
Personal accident insurance£0£0
Professional indemnity insurance£250£500

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

Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today