Does Your Business Comply with Its Insurance Policy?


Every business owner understands the importance of being insured, however if you fail to follow guidelines or your property doesn’t meet minimum security requirements then you may find that you are not covered.

Every insurer is different, and they will all set their own minimum standards in terms of lock types and security measures, anything that doesn’t meet these may be excluded from the policy.

Below are a few examples of typical standards set by insures and penalties for non – compliance.

Lock Types

Cylinder Rim Locks – The keyhole on the outside of the door is connected to the lock mounted on the inside via a cylinder. In order for these locks to be insurance compliant they should meet British Standard BS3621. If this is not the case, then other security measures must be used alongside it. If your Doors are wooden then the lock can be supplemented by a mortice lock that is compliant with BS3621.

Mortice Locks – These are a lot more complex lock as it is embedded within the door, a five lever mortice lock would comply with BS3621.

Multi-point Locking System – These are commonly used on uPVC doors. They work by just one turn of a key and the locks operating simultaneously. For a multi-point locking system a minimum of three locks will be required.

Minimum Security Requirements for Businesses

If you run your business from a commercial property, chances are you will already meet the minimum security requirements. Most businesses choose to have more than the minimum security measures and if this is the case then you will likely be covered by your insurance, however, if you don’t meet the minimum security requirements then this is something that needs resolving fast.

The exact requirements for each insurer varies so it is worth checking your policy. With this said most will require the final exit door to meet or exceed BS3621 and be either a mortice lock, cylinder rim lock or multi point locking system.

BS3621 is the industry standard that has been put together by, lock manufacturers, the government, the police, architects and local authorities. If a look meets these standards then you will see the kitemark displayed on it.

As well as the door locks insurance companies will expect your windows to be secure, this is achieved with a key locking system.

What to Do If You Don’t Meet Minimum Requirements

If your security measures don’t meet the minimum standard, then it is important that you upgrade them as soon as possible. It may not seem like the most important thing to do when you have a business to run, however, if the worst was to happen and you need to make a claim then it is likely your claim will be refused. This means any losses you have suffered will have to be covered by yourself and you won’t receive any money from your insurance.

By having a locksmith come and upgrade your locks not only will it work out cheaper in the long run, but by having improved security measures it could also bring down your insurance premiums.

If your locks are not compliant with the British standard or don’t meet your insurance requirements then contact Easy Pickings Locksmiths today for lock upgrades and security checks – 0113 805 0761



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