Public liability and tools cover options for locksmith businesses across Australia. Talk to a specialist trade broker.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Locksmith work means being trusted with access to homes, vehicles and businesses, often at short notice and outside normal hours, where a mistake can mean a security failure or a costly liability claim. Whether you’re doing residential lockouts or commercial security installations, Sol Insurance Brokers can help you explore cover options that reflect the risk you actually carry.
01
Is designed to help protect you against claims for third-party injury or property damage arising from your work, including damage caused during lock changes, repairs or forced entry, subject to policy terms.
02
Relevant where you provide security advice or specify locking systems as part of your work, particularly where an error could result in financial loss.
03
Cover for key-cutting machines, picks and other tools and business assets against risks such as theft, loss or accidental damage, subject to policy terms.
04
Cover for service vehicles used for callouts, including trade fit-outs and permanently attached equipment where applicable.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness, Workers Compensation, Cyber Insurance and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
Liability disputes arising from a security breach or break-in after a lock change or installation
Damage to doors, frames or property during forced entry or lock replacement
Being called to work in unfamiliar premises, often alone and outside business hours
Subcontracting arrangements and insurance requirements imposed by property managers and builders
Theft or accidental damage to key-cutting equipment and tools kept in service vehicles
Confidentiality and liability considerations around access codes, keys and security information
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Cover can generally be structured around the mix of residential and commercial work you do. Let us know the range of jobs you take on and we can help you look at options that fit.
Tools, equipment and plant cover can include theft and accidental damage, often including tools kept in a locked vehicle. Conditions such as security requirements may apply, so it’s worth checking policy wording.
Public and products liability can respond to claims for property damage or loss arising from your work, including issues that become apparent after the job is complete, subject to policy terms and conditions.
Subcontracted work can generally be considered when structuring your cover. Let us know the head contractor’s or property manager’s insurance requirements and we can help you explore options that meet them.
Public and products liability can generally respond to claims for property damage arising from your work, including damage during forced entry, subject to policy terms and conditions.
It may be relevant where you’re responsible for a larger security installation in progress, such as a commercial access control system. Contract works can help protect eligible installation work against insured events such as theft, fire and storm, subject to policy terms.
Tell us a bit about your business and one of our brokers will be in touch.
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