MLAA Public Liability Insurance (including Errors & Omissions)

Defending yourself against personal injury or property damage claims can be extremely costly.

The Master Locksmith's Public and Products Liability Insurance is designed to protect you and your business from claims for third party property damage or personal injury incurred while going about your daily business activities, as well as Errors and Omissions.

Whitbread have developed a Public Liability insurance solution for Master Locksmiths. Including cover for Errors and Omissions, this policy is specifically designed to protect your business against risks specific to your industry and provide greater certainty for your future.

The Policy

The Master Locksmiths Liability Insurance policy covers each Member for business activities as follows:

Principally Locksmith including, but not limited to retail sales, offsite call out, repairs and installation, mobile locksmith services, automotive locksmith services, installation of local alarms and other security hardware, property owners and all other activities incidental thereto.

To apply for the Master Locksmith’s Insurance policy, each member needs to complete and submit an application form (refer below).

Scroll down to the bottom of this page for detailed information on the specific features and benefits of the Master Locksmiths Public Liability Insurance policy.

Click here to download a PDF of the policy brochure.

Applying for the Master Locksmiths Liability Insurance Policy

This policy commenced January 1, 2015.

To take advantage of the features and benefits offered by the Master Locksmiths Liability Insurance policy please click here to download and fill out the Insurance Application Form.

You will require the latest version of Adobe Reader to fill in and save your information on this form. Click here to install.

Please email your completed application form to

Alternatively you can mail or fax your form to the attention of Tim Prosser.
Address: Level 5, 90 Collins Street, Melbourne VIC 3000
Fax: 03 8646 0220

Additional cover

Any business activities in addition to those listed above require referral to Whitbread, and subsequent acceptance by ACE Insurance.

When requesting higher policy limits and additional business activities, any additional premium will be payable by the member within 14 days.

Important documents

Policy Wording
Click here to download the MLAA Liability Insurance Policy Wording.

Insurance Application Form
Click here to download and fill out the Insurance Application Form. 
(You will require the latest version of Adobe Reader to fill in and save your information on this form – click here to install).

Policy Brochure
Click here to view and download our Public Liability Insurance brochure.

Claim notification and lodgement

Please lodge your claim within 24 hours of notification.

To lodge a claim, please contact your broker Tim Prosser:
Phone: 1300 424 627

Other insurance services

We can arrange additional insurance and risk solutions for your business, and for your personal assets.

Click on the links below to find out more and request your quote:

Business Insurance
Personal Insurance

Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer-specific policy wording for inclusions, exclusions, terms and conditions. 

Covered Features

Defence Costs

Provides cover for your legal defence costs associated with a claim.

Third Party Property Damage & Personal Injury

Provides cover for liability incurred as a result of negligence, actual or alleged, that has resulted in Third Party property damage or personal injury. The limit of liability is $20,000,000. For higher limits please refer to Whitbread. These limits are per member. Products Liability is in the Aggregate.

Care Custody & Control

Cover provides for damage to a 3rd party’s goods held in your Care, Custody and Control.

Loss of Keys

Provides you with cover for the costs associated with the replacement of locks and keys should your clients’ keys be lost or stolen as a result of your negligence.

Errors and Omissions

Protection for you and your business against costs associated with the alleged or actual financial loss which may arise from any errors or omissions committed whilst carrying out your business activities. This policy will cover you up to a limit of $1,00,000.

Statutory Liability

Covers you and your business for fines and penalties incurred through operating the business. This includes fines related to workers compensation.


We need to receive your application and confirm cover with you.

Contact your Insurer and have this policy section removed. If you have any issues with please contact Adam Luscombe for assistance. Direct market Insurers at times offer Insurance as a package and will not continue a policy without a Public Liability section.

We recommend commencing straight away so that you have Errors and Omissions cover included without waiting for your next renewal.

An alleged financial loss without the trigger of property damage. This could include breach of confidentiality, non-compliance or the mismanagement of client security codes.

As long as there is no fee charged, then yes this is covered under the Public Liability insurance section. Think about a car salesman and all the advice they give you when buying a car. Your advice to your customers is the same, and is covered under your Public Liability section.

PI is required by a Business to cover for a breach in their professional duty, and where they receive a fee for their services.

Think of a Doctor, Lawyer, Accountant. Members of the MLA require PI Insurance if their business activities include Alarm Monitoring, or Security Reports.

If you fail to disclose this, the Insurer will not cover your Business in relation to these products. As Australian Regulatory Law is only binding within Australia, not on overseas manufacturers, it is deemed that if you import products directly, you then inherit the liability responsibilities of the manufacturer, just as if you made the product yourself. This increases your Products Liability exposure.

A contract may contain clauses that, once signed, transfers liabilities of others across to you. We recommend that before signing any such contracts that you obtain and act on professional legal advice. If such contracts are in place, for your Insurance policy to respond, you must provide a copy of the contract to the Insurer for their referral and acceptance. Without this being done the Insurer can act as if there was no Insurance in place, leaving you exposed.

Yes, each member business will have unique risk exposures, and as such your Liability policy will be tailored with cover limits suitable for your business.

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