LOCKSMITH’S INSURANCE - Tradies365 Insurance

Running a locksmith business is a demanding and complex endeavour. Responding to your customers’ needs, maintaining stock and equipment, and staying on top of all of your company’s daily details is more than enough for you to consider. Making sure you have the right locksmith insurance cover is crucial.

The insurance professionals at Tradies 365 understand your unique circumstances and what you need as a part of your insurance policy. They also know that your individual needs might be a little different than what other locksmiths ought to carry.

WHAT DO I NEED AS A PART OF MY LOCKSMITH INSURANCE?

You will need general business insurance that is similar for most companies. Your cover may include:

Compulsory Worker’s Compensation Insurance – If you operate a business in Australia and you have employees, all states and territories require worker’s comp insurance. A policy will protect your employees from loss caused by job-related factors.
Public Liability Insurance – Your public liability insurance will pay in the event that you are the reason a non-employee sustains a loss
Comprehensive Business Insurance – This policy provides cover to protect you from a loss caused by theft, vandalism, fire, flood, or other unforeseen events
Third-Party Property Damage Cover – If you cause damage to someone’s property, this policy will pay

QUESTIONS TO HELP DETERMINE YOUR LOCKSMITH INSURANCE NEEDS:

Are you working on or with other people’s property?

Consider locksmith public liability to protect yourself in the event of an accident. Even if you take every possible precaution, accidents can happen. With a locksmith public liability policy, you will not need to pay if you are at fault for a loss

Do you depend on specialised tools to do your job?

A policy for your trade tools will protect what you need to earn a living.

Do you use a trailer for your job?

Think about adding commercial trailer cover.

Are you at risk for illness or accidents?

The unexpected happens to everyone. If you have an illness or sustain an injury, an accident and sickness policy can help keep you financially stable until you can return to work.

LOCKSMITH’S POLICY FOR ILLNESS AND INJURY

It is difficult to imagine the average household getting by for a period without income. At Tradies365, we firmly recommend our policyholders take advantage of our insurance cover for illness or injury.
Worker’s compensation will not pay for injuries unless you are on the job; unfortunately, some tradies do not learn this until after an injury or illness. By adding an income protection policy, you have cover everywhere in Australia.

At Tradies365 we offer the choice between two types of income insurance.

One policy pays if an injury happens
The other policy pays for injuries or illness

The policy pays illness claims for a maximum of two years and between one and five years for injury claims

*Please Note* The material provided is for informational purposes only and is not binding insurance advice. For specific information, please consult with an insurance expert.

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Australian trade businesses choose Tradies365 to manage their insurance needs.

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INSURANCE ON LOCKSMITH’S VEHICLES

Locksmiths depend on their vehicles and could not get by without them. At Tradies365 our experts will prepare cover for your vehicles at a fair price.

LOCKSMITH’S CONTRACT WORKS INSURANCE POLICY

Because the unexpected sometimes happens, Tradies365 encourages you to get a contract works policy to provide cover in case of storm damage, theft, fire, and floods.

Tradies365 offers two kinds of contract works policies.

Our annual contract works policy gives all of your job sites cover for a year.
The single job policy will provide cover for a particular job site for up to 12-months.

WORKER’S COMPENSATION (WORKER’S COVER)

Per Australian law, all businesses have an obligation to carry worker’s compensation insurance. At Tradies365 we can build an affordable worker’s cover package to meet your needs.

It is necessary for you to find out the specific details of the local ordinances where you work. Some areas require worker’s cover for your subbies because the local government sees them as your employees. Because the laws vary from one location to another, you need to be aware of the requirements.