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
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.
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.
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.
As trades insurance experts, we're your number one choice for your business protection.
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.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
We are rated 4.7 out of 5 from 3,500+ reviews on Feefo.com
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.
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:
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 policy||Lowest excess||Highest 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.
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.Get in touch