What is Keyholder Policy | Insurance glossary by upcover

Keyholder policies identify the employees or contractors authorised to access business premises outside normal hours and outline their obligations when responding to security alarms or emergencies. In an insurance context, keyholder arrangements are relevant to commercial property and burglary insurance, as insurers may require prompt keyholder response to alarm activations to limit the extent of a loss. Failure to maintain an up-to-date keyholder register, or entrusting keys to unauthorised individuals, may be considered a breach of policy security conditions and could affect claim outcomes. Businesses should also consider the liability implications of keyholder responsibilities, as keyholders responding to incidents outside normal hours may be exposed to personal injury risks that should be addressed under workers compensation and public liability policies.

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