Your cover options

Essentials

The locksmiths’ liability insurance Essentials package includes Public Liability insurance and cover for Financial Loss.

  • Public Liability insurance up to £5 million
  • Employers' Liability insurance £10 million
  • Financial Loss £100,000

Classic

The Classic package builds on the Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.

  • Public Liability insurance up to £5 million
  • Employers' Liability insurance £10 million
  • Professional Indemnity cover £100,000
  • Financial Loss cover £100,000
  • Accidental Death cover
  • First £1,000 of Tools cover (can be increased to £15,000)

Plus

Our most popular option for locksmiths- the Plus package builds on the Classic by further adding Personal Accident cover, which can be increased based on your needs.

  • Public Liability insurance up to £5 million
  • Employers' Liability insurance £10 million
  • Professional Indemnity cover £100,000
  • Financial Loss cover £100,000
  • Accidental Death cover
  • First £1,000 of Tools cover (can be increased to £15,000)
  • Personal Accident cover up to £600 a week per person

Extras

Looking for extra insurances for your work? We have a list of optional extras to give you the cover you need: 

  • Contract Works
  • Owned Plant
  • Hired in Plant
  • Jury Service cover
Locksmith Lock Replacement

Why do you need locksmiths' insurance?

As a locksmith, you already know all about insurance claims – as you’re the person called when there has been a break in. Your job is intricate and specialist, and we believe your insurance cover should be the same – made to measure, unique and secure. As well as keeping your client's safe, you need to protect yourself. The nature of your work means accidents can happen – no matter how careful you are. You’re called to attend homes and businesses every day, working with members of the public and using specialist equipment. Our expert team has helped many locksmiths during our 30 years of trading.

Locksmith Fitting Front Door Lock

Public liability insurance for locksmiths

A trip over a tool box, breaking a wooden door jam, or a serious injury – as a locksmith, it’s possible to find yourself the unsuspecting cause of a common accident like this. In a job such as yours – working with members of the public, in their homes and with your valuable toolkit of picks, extractors, jugglers and bumps, you can’t be too careful. Sadly, public liability claims, loss of equipment and personal accidents are expensive and can have a devastating impact on your business. But don’t worry, simply choose the best level of insurance for you to keep your business safe as houses.

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Locksmith Fitting 5 Lever Lock

Why choose us?

With 30 years trading experience and backed by Zurich Insurance, who pay out on 99% of valid claims, your locksmith business is in safe hands with Trade Insurance Direct. Whether you need cover for liability, indemnity, injury or illness, we’re on your side and will aim to resolve any issues you have as swiftly as possible.

Some of the benefits:

  • Up to £5 million Public Liability Insurance
  • £1,000 tools cover with our Classic Public Liability Insurance
  • £400 Personal Accident cover per week with our Plus Public Liability insurance

Types of locksmith professionals we protect

  • Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships
  • Locksmiths and over 70 trades in the building and construction industry
  • Cover for an additional or secondary trade is available
  • Insurance for up to 15 employees or trainees

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Tools Insurance

Tools are your livelihood, that's why we offer standalone cover just for your tools. Also a great addition to any existing policy, with tools insurance you can extend your cover up to £15,000. 

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Van Insurance

Get covered with comprehensive, third party only or third party fire & theft van insurance. Check out our cover options, features and benefits. 

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Frequently Asked Questions

Whether you're looking for more information, or a specific answer, we have a hefty FAQs section, where you'll hopefully find what you're looking for.