Contractor Specialists
20+ years of experience working with contractors
270k Businesses Covered
Trusted by businesses Australia-wide
All Policies, One Place
Cover from public liability to general property and beyond
Compare Options
And get documents fast once cover is arranged
Locksmith insurance is a general term for a range of insurance products that may be relevant to locksmiths, mobile locksmiths, safe technicians and security hardware businesses.
Depending on the cover arranged, insurance may assist with risks such as:
The cover available will depend on the policies selected, your business activities, insurer acceptance, policy limits, conditions and exclusions.
Locksmiths manage risks involving property access, client security, tools, vehicles and work carried out at homes, offices, shops, warehouses and vehicles. Below are examples of cover types locksmiths commonly consider, depending on their work, contracts and business structure:
May cover claims for third-party injury or property damage caused by your locksmith work, such as damaging a customer’s door, frame, lock hardware, vehicle or surrounding property during a job.
May help cover locksmith tools and portable equipment for insured events such as theft or accidental damage, depending on where the items are kept, how they are secured, the cover selected and the policy terms, limits and exclusions.
May provide a weekly benefit for certain injuries or illnesses that prevent you from working, subject to the policy terms, waiting periods, benefit periods, exclusions and limits. This may be considered by traders who do not have access to paid sick leave.
May help respond to certain claims alleging financial loss caused by professional advice, security recommendations, designs or specifications you provide, subject to the policy terms, limits, conditions and exclusions.
May be required if you have employees, depending on your state or territory, business structure and worker arrangements. It may help cover certain wage and medical costs for eligible work-related injuries, subject to the relevant scheme, legislation and policy arrangements..
May help cover certain professional fees incurred in responding to an eligible random ATO audit, review or investigation, subject to the policy terms, limits, conditions and exclusions.
The cost of locksmith insurance varies depending on the type of locksmith work you do, your turnover, who works with you, the locations you attend, the equipment you use, and the cover options selected. There is no single price. Insurers assess your business risk before calculating your premium.
Several factors can influence the cost of locksmith insurance. These may include the type of clients you service, whether you work on homes, vehicles or commercial sites, and the cover limits requested.
Locksmiths often compare different cover limits and policy types depending on their licensing requirements, commercial contracts, tools, vehicles, key systems and business structure.
Premiums are subject to individual underwriting, insurer acceptance, and policy terms, conditions, limits, and exclusions.
Locksmith licensing and insurance requirements vary across Australia. In many states, locksmith work is regulated under security industry laws, especially where the work involves locks, safes, access control, alarms, CCTV, commercial security systems or security advice.
Insurance requirements may also depend on licence conditions, commercial contracts, real estate work, strata work, subcontractor agreements, government tenders and client site access rules. Public Liability insurance is commonly requested, but the exact cover, limit and evidence required can vary.
Note: Requirements vary by state or territory, licence category, contract role, business structure and the type of locksmith or security work performed. This information is general only and should not be relied on as legal, licensing or compliance advice. Always check your licence conditions, client contracts and the relevant state or territory regulator before relying on this information.
In the ACT, people working in the security industry need a licence issued by Access Canberra. Locksmiths who provide security-related services should check whether their work falls under the ACT security licensing framework, especially if they provide security services through a business, work as an employee, or rely on an interstate licence under mutual recognition.
In NSW, locksmith work generally falls under the security licensing framework. A Class 2C Security Equipment Specialist licence authorises a person to sell, install, maintain, repair, service and advise on security equipment. NSW Police also states that this class allows the holder to work as a locksmith.
The Northern Territory security licensing framework is mainly focused on security officers, crowd controllers and security firms. Locksmiths should check whether their work involves regulated security services, such as guarding property, operating as a security firm, or working under a broader security services arrangement.
In Queensland, most locksmith work requires a security equipment installer licence. This can include installing, repairing, servicing or maintaining locks for commercial or residential areas, safes, vaults and access control devices. Queensland also states that vehicle access locksmith services for payment require a licence. Limited exemptions may apply, such as retail key cutting or installing basic security items during construction, repair or renovation.
In South Australia, locksmiths should check whether their work falls under security agent licensing. Security systems work can include providing advice on security alarm or surveillance systems, installing or maintaining those systems, and supplying people to provide those services. Employee-only licence categories may not authorise a person to run a business or subcontract in their own right.
Tasmania regulates security and investigation agent activities, including general guarding, monitoring room operation and other security-related work. Locksmiths should check whether their business activities fall within a regulated security licence activity, especially if the work moves beyond standard locksmith services into guarding, monitoring or broader security service arrangements.
In Victoria, private security licensing includes security equipment installer and security adviser activities. A security equipment installer is someone employed or retained to install, repair, service or maintain security equipment, including safes, vaults, alarms, security camera systems and access control devices. Private security business licence applicants may also need to provide Public Liability insurance certificates, and independent contractors carrying on security activities with an ABN may need both a business licence and an individual operator licence.
In Western Australia, locksmith-related work may fall under security installer and security consultant licence classes. WA Police lists installer classes for safes, vaults and prescribed locks, security alarms, CCTV, security doors and locks. Class 1 installer work involving safes, vaults and prescribed locks requires trade-qualified locksmith status, while Class 4 covers installing prescribed locks.
Arranging cover for your locksmith business is a straightforward process. Get a quote and receive your insurance documents once cover is arranged.
Complete our occupation selection form with details about your locksmith work, including your annual turnover, the number of staff you employ, and whether you provide residential, commercial, automotive or security hardware services.
Compare options for Public Liability, tool cover, Professional Indemnity and Personal Accident insurance. Choose the limits that may suit your contract, licensing or business requirements.
Confirm your details and complete payment. Once cover is accepted, your Certificate of Currency and policy documents will be emailed to you.
Cover is subject to policy terms, conditions, exclusions, and insurer acceptance.
Contractor Cover is the one-stop insurance shop for contractors across Australia.
We help contractors, subcontractors and small businesses compare commonly arranged business insurance options in one place. Choose from available cover types and limits based on your trade, business activities and contract requirements, subject to insurer acceptance, policy terms, conditions, limits and exclusions.
Call our team today at 1300 438 268 for more information or fill in our easy online quote form.
270k+ businesses covered
20+ years of experience
Contractor insurance specialists
At Contractor Cover, we’re proud to have a dedicated executive team that brings decades of experience, strategic insight, and an unwavering commitment to supporting Australian contractors.
John Elliott is the founder of Elliott Insurance Brokers, the business behind Contractor Cover. With nearly 20 years of insurance industry experience, John helps guide the business with a focus on practical cover, reliable service and clear support for Australian contractors.
Rachael Milne joined Elliott Insurance Brokers in 2012 and supports the systems, planning and financial structure behind Contractor Cover. Her work helps the business operate smoothly while supporting clear, reliable insurance services for contractors Australia-wide.
Kris Wright supports Contractor Cover through technology, systems and process improvement. His work helps keep the online quote experience simple, organised and efficient, making it easier for contractors to compare cover options and access documents quickly.
Tim Stingers brings more than a decade of insurance experience, with a strong focus on trades and construction. His knowledge helps support contractor-focused cover options for tradies, subcontractors and small construction businesses.
There is no single national insurance requirement for all locksmiths. However, Public Liability insurance is commonly requested by commercial clients, real estate agencies, strata managers, government contracts and subcontractor arrangements. Some licence or business applications may also ask for proof of insurance.
Self-employed locksmiths often consider Public Liability, General Property, Personal Accident and Professional Indemnity, depending on their work. A mobile locksmith may also need to think about tools, key machines, vehicle-based equipment, client property damage risks and income protection if they cannot work due to injury or illness.
Public Liability insurance may respond if your locksmith work causes accidental damage to a customer’s property, such as a door, frame, lock, safe, vehicle or access hardware. Cover depends on the policy wording, the cause of the damage, exclusions, limits and any applicable excess.
Some locksmith policies may include automotive locksmith work, while others may treat it differently due to vehicle access, electronic keys, programming tools and possible damage to vehicles. If you provide car lockouts, transponder key work or vehicle access services, make sure this activity is disclosed when arranging cover.
No. Public Liability insurance is designed for third-party injury or property damage claims. Locksmith tools, key machines, programmers, drills and portable equipment are usually considered under General Property or tools cover. This may help with theft, loss or accidental damage, subject to the policy terms.
Cover for lost keys, restricted key systems, access codes or client security information depends on the policy. Locksmiths should check this carefully, especially if they manage master keys, digital access credentials, real estate keys, strata keys or commercial security records.
Professional Indemnity may be considered if you provide paid advice, security recommendations, lock system specifications, access control advice or written reports. It may respond to claims that your advice or professional service caused a client financial loss, subject to the policy wording.
Most policies do not simply pay to redo poor workmanship. They are more likely to respond to accidental damage, injury or covered claims arising from the work. For example, replacing a poorly fitted lock may not be covered, but accidental damage to a customer’s door may be considered under Public Liability.
If you employ staff, Workers Compensation is generally required under state or territory rules. If you use subcontractors, check whether your policy covers work performed under your business name or direction. Some contracts may also require subcontractors to hold their own insurance.
A Certificate of Currency is proof that your insurance policy is current and active. Locksmiths may be asked for this document before working with commercial clients, real estate agencies, strata managers, councils, builders, facility managers or subcontractor platforms.
You should review your insurance at least once a year, or when your business changes. This helps keep your cover aligned with your current work, equipment, contracts, staff and licensing requirements.
Common triggers include:
We take your privacy seriously. Your information is stored securely and used only to provide insurance services, issue documents, manage claims, or support your policy. You may view a copy of our full at any time, and we are happy to explain how your information is handled.
To get started with your business insurance, get an instant online quote for your occupation. If you can’t see your occupation or if you require specialist cover, contact our team today.
Mon - Fri8:30am - 7:00pm WSTSat9:00am - 5:00pm WST
info@contractorcover.com.au
1300 438 268
Different business types need different quote pathways. Choose the option that best fits the work you do.
For consultants, IT contractors, project managers, designers, advisors and other non-trade professional services across a wide range of industries.
Contractor QuoteYou will be directed to business.contractorcover.com.au
For trade-based businesses, builders, contractors, mining services, civil, construction, plant, installation, maintenance and industrial work.
Trade QuoteYou will be directed to alltradescover.com.au/get-a-quote