Locksmith Insurance
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- Expert UK telephone support
- 40+ years’ experience in Trades insurance
Protect your tools, business, and clients with affordable Locksmith insurance that’s tailored to your trade.
What is Locksmith insurance?
Locksmith insurance is designed to protect Locksmiths and their businesses against the risks that can come with day-to-day work. This can include accidental property damage or injury to a third party, tool theft, or issues linked to professional advice or installation work.
Whether you’re a sole trader or running a growing business, our insurance for Locksmiths can help cover costs linked to claims, repairs, legal expenses, or replacing essential tools and equipment.
Depending on the type of work you carry out, cover can include:
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Temporary Total Disablement Benefit
Why do Locksmiths need insurance?
Working as a Locksmith often means carrying tools into customer homes, commercial properties, and public-facing environments where accidental damage or injury can happen during everyday work.
For example:
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A toolbox or cable could become a trip hazard
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A lock replacement could accidentally damage a door or frame
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Specialist tools or equipment could be stolen from your vehicle
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Work carried out at a customer property could lead to a claim for damage or financial loss
This is where Locksmiths' public liability insurance can help, supporting your business if claims are made for injury or property damage linked to your work.
Protect your business with tailored Locksmith insurance
At Trade Direct Insurance, we provide straightforward insurance for Locksmiths that’s designed around the work you do every day.
Our policies are built to help protect Locksmith businesses against costs linked to property damage, injury claims, legal defence costs, and unexpected interruptions to work.
Whether you carry out emergency callouts, lock repairs or security installations, cover can be adapted to suit the way your business operates.
Why choose Locksmith insurance from TDI?
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
Your Locksmith insurance cover options
Essentials
Our Essentials package includes Public Liability insurance and third party cover for Financial Loss.
✔ Public Liability insurance up to £5 million
✔ Third Party Financial Loss £100,000
✔ Employers' Liability insurance (£10 million available as an optional addition)
Suitable for: Locksmiths looking for straightforward Locksmith insurance and liability protection.
Classic
Our Classic package builds on Essentials by adding Professional Indemnity cover, Capital Death Benefit, and Tools cover.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss cover £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Employers' Liability insurance (£10 million available as an optional addition)
Suitable for: Locksmith businesses looking for wider protection, including tools and professional work.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
The Plus package is our most comprehensive option, building on the Classic package with added Temporary Total Disablement Benefit.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss cover £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Temporary Total Disablement Benefit up to £600 a week per person
✔ Employers' Liability insurance (£10 million available as an optional addition)
Suitable for: Businesses looking for more comprehensive Locksmiths insurance, including cover if you’re unable to work due to injury.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional Extras
You can also add extra cover depending on the type of Locksmith work you carry out:
Who we cover: tailored insurance for every Locksmith business
We provide insurance for Locksmiths across a wide range of business types and setups, including:
✔ Partnerships
✔ Limited companies
✔ Limited liability partnerships
✔ Contractors and subcontractors
✔ Small businesses with turnover up to £3 million
Whether you work alone, run a mobile Locksmith business, or manage a growing team, cover can be adapted to suit your business as it develops.
Ideal for growing Locksmith businesses
As your business grows, your insurance needs can change too. Cover can be tailored around additional employees, tools, services, or larger contracts as your business expands.
Tools and equipment cover
Protects valuable tools and specialist Locksmith equipment against theft or damage.
Professional Indemnity insurance
Helps protect against claims linked to professional advice or design work.
Other cover options
Capital Death Benefit is included within Classic and Plus packages. Optional extras such as Contract Works cover are also available depending on your business needs.
For more information or guidance, our approachable UK-based support team is here to help.
Locksmith insurance FAQs
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Get a Locksmith Insurance quote today
Don’t leave your business exposed to unexpected costs. Get straightforward cover designed around the work Locksmiths do every day.