Locksmiths' Insurance

That depends on the type of locksmith work you do, who you work with, and the level of risk involved.

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If you are working in people’s homes, commercial premises or on-site with other trades, Public Liability Insurance is essential. It protects your business if someone is injured or their property is damaged because of your work. For example, if you scratch a customer’s door while replacing a lock, this cover can step in.

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Most small businesses choose cover between £1 million and £5 million, but some contracts, particularly with local authorities, property managers or larger contractors, may require you to have up to £10 million.

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With Admiral Business, you can choose a level of cover that suits your locksmith business today and adjust it as your work grows.

If you have added Tools and Materials cover to your policy, your tools are protected, but there are a few conditions to be aware of.

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We cover theft from your van as long as it was securely locked and there are visible signs of forced entry. If your tools are stored in a permanently fixed lockable toolbox inside the vehicle, that’s even better.

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However, if the van is left unattended anywhere other than your home for more than 24 hours, or it is not stored in a secure locked garage or compound, your cover may not apply.

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In short, we will cover you if your van is properly secured, but your tools need to be locked up tight.

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Want to check the detail? You can see the full policy terms or speak to our team at 020 3808 7099.

• Public Liability Insurance protects you against claims from third parties, such as customers or members of the public, if your work causes injury or property damage.
• Employers’ Liability Insurance covers you if someone working for your locksmith business is injured or becomes ill as a result of their work. Even if you only have one apprentice or casual worker, this cover is a legal requirement

For example:

• Public Liability would cover a claim if you damaged a door while fitting a lock.
• Employers Liability would cover a claim if your apprentice injured themselves while helping on a job.

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If you employ anyone, whether full-time, part-time or casually, you will need both types of cover.

If something goes wrong, such as damaging a client’s property while drilling, an accident on site, or if your tools are stolen, you can start a claim by filling out the form at admiralbusiness.com/make-a-claim or emailing us at claims@admiralbusiness.com.

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We will ask for supporting documents where possible, such as photos, receipts, or a police report if it involves theft. Ideally, let us know within 14 days of the incident so we can resolve your claim quickly.

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Our team will guide you through the process step by step so you can get back to helping customers without unnecessary delays.

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We will make the process simple, but it helps to have the following details ready:

• The date, time and details of what happened
• Where it took place
• Any third-party details if someone else was involved
• Any photos or videos showing the damage or loss
• Proof of purchase for stolen or damaged tools (receipts or invoices)

If you are claiming for stolen or damaged locksmith tools, we will usually ask for proof of purchase. We will pay the original purchase price if your tools cannot be repaired, so it is important your cover limit matches the value of your kit.

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The more information you provide upfront, the quicker we can get your claim resolved.

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