Typical companies we insure include:
- Intruder & Fire alarm installers
- Portable & fixed extinguisher installers & servicers
- Sprinkler companies
- CCTV & access control
- Central Stations
- Nurse & warden call
- Security Guarding & keyholding
- Doormen
- Stewards
- Locks, safes & grilles
- Car Park management
- Emergency lighting
- Vehicle alarms
- Passive fire protection including intumescent products & spraying
Rates are dependent on number of years trading, claims experience, type of work done & areas worked with discounts given for trade association memberships & quality assurance standards.
Cover available:
- Employers Liability
- Public & Products Liability (including inefficacy “failure to perform”)
- Commercial Property All Risks
- Business Interruption All Risks
- Contract Works
- Professional Indemnity
- Property Terrorism cover
- Legal Expenses
- Directors & Officers Liability
- Fidelity Guarantee
Significant benefits of our cover:
- Inefficacy cover to the PL limit (unless otherwise stated)
- Damage to that part worked on for alarm, extinguishing or security services (this provides cover for damage to carpets being lifted for example)
- Wrongful arrest cover to the full PL limit (with no excess either)
- Criminal & deliberate acts (crucial cover for doormen & security guards)
- Bodily injury arising from consultant & training (specifically for physical intervention training)
- Terrorism cover on PL/Prods/Inefficacy
- Accidental Exposure to asbestos
- £250 third party property excess (increased in certain scenarios)
- Optional Fidelity Bonding Extension (not restricted to legal liability & includes misuse of phones)
- Optional Loss/Consequential Loss of Keys Extension (legal liability for consequences of lost keys paid under PL & thus to the full PL limit)
- Optional Loss of Gas Extension (for extinguisher & fire companies to cover loss of gas in systems being worked on)
- Optional Service Indemnity Extension (to cover motor vehicles in custody)
- Free Professional Indemnity section £100,000 limit
- Free Directors & Officers section £100,000 limit
Please contact enquiries@seniorwright.co.uk for any further information.