Hi Adrian,
Key insurance is an 'optional' on my policy which I chose to have in because the last thing I want to have to pay for is new locks, etc particularly on commercial jobs.
We have up to £10k of cover for this and it comes under 'extensions to cover' along with items such as misuse of telephones, damage incurred by cleaning treatments, etc.
I can let you have details of the broker who sorted out my insurance. He was very good, took me through all the optionals and helped me decide exactly what I needed.
Cheers
Diane
Freshly Maid