Insurables — Australian business risk, sourced and dated

Locksmiths: public liability requirements in Queensland

Cover for legal liability to third parties for personal injury or property damage arising from business activities.

Data as at

Verified for Queensland

  • Licence liability condition: No insurance condition. The Security Providers Act 1993 mentions insurance twice and neither is a licence condition — both exempt insurance and insurance adjustment businesses and their employees from needing a private investigator licence. The Security Providers Regulation 2008 returns zero on insurance, insured and indemnity across the complete instrument. QLD · effective 2026-08-25 Queensland Government · 2026-08-24
  • Licence evidence required: None at application or renewal. Routine residential lock work and key cutting sit outside the licence altogether. QLD · effective 2026-08-25 Queensland Government · 2026-08-24
  • Licensing body: Partly, and the boundary is unusually precise — which makes it worth checking rather than assuming. Mechanical locks fall within the Security Providers Act 1993 definition of security equipment, and safes and vaults are express examples, so alarm, CCTV, access control and larger safe work needs a security equipment installer licence. But the Act carves a lot of ordinary locksmithing back out: a person is not a security equipment installer merely because they carry out retail key cutting, or install a basic security item in a building they own or occupy, or install one in someone else's building during its construction, repair or renovation. A basic security item is a portable safe weighing not more than 50kg, a barrier item such as a security mesh door or window grille, an electronic or mechanical lock used for basic household security such as a door lock, window lock or padlock, or a motion sensor light that does not also activate an alarm. QLD · effective 2026-08-25 Queensland Government · 2026-08-24

What contracts commonly ask for

Principals and head contractors set their own insurance requirements, and those are frequently higher than a licence condition. The requirement that binds is the higher of the two, and both have to be read from the actual document.

What this cover costs

This site publishes no cost benchmark for this cover. A benchmark needs a real sample of documents, and none is published until the sample is large enough to compute a median honestly. A benchmark from a handful of policies is a guess with a decimal point.

Sources