Security Industry

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 for any further information.


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