Tailored locksmith insurance for your business. Maximum coverage, minimum cost.
As a locksmith, your clients trust you to help pick locks if they get locked out, or to repair damaged locks. However, if your locksmith work ends up damaging their property, clients can demand expensive compensation from you. Locksmith injuries while travelling to and from worksites are also common. WIth Provide, you can tailor a policy that protects you, your employees, and the premises/equipment you use.
Public liability insurance: Coverage if you damage third-party property, or cause injuries to others during your renovation.
This insurance will pay for lawyer’s fees if you are sued for such causes, medical expenses to injured parties, and any damages awarded.
Work injury insurance: Coverage for employee injuries/sickness, including Covid-19 infections.
Pays for medical expenses, lost wages, and lawyer’s fees if you workers sue you for creating an unsafe work environment.
Foreign worker medical insurance: Legally mandatory coverage for foreign workers. Pays for medical expenses like surgery and hospitalisation.
Professional indemnity insurance: Coverage if you are sued for defective work, negligence, errors & omissions, defamation, and other causes. Also covers errors made by sub-contractors, which is very important.
For instance, there was some defective or poor workmanship in your construction project. This resulted in water leaks and poor structural integrity. If your client sues you for workmanship errors, this insurance will pay for lawyer’s fees and court-awarded damages.
Property all risks insurance: Coverage for risks like fire, water leaks, burglary, etc. Protects your business premises (e.g. office), and its contents (e.g. computers, tools).
Being sued by clients for poor/defective inspection services, resulting in losses – e.g. lower sale price for property due to poor inspection (for sellers), or paying a higher than necessary price for property due to inspection that didn’t sufficiently reveal issues with the property (for buyers)