What Can A Security Insurance Policy Cover?

A specialist policy such as we can offer can keep you safe from the majority of risks you face on a regular basis. From policies that provide peace of mind to ones that you are required to have by law, our insurance can offer you a range of protections in one convenient and cost-effective scheme. Our over can include:

• Public liability – possibly the most important policy to include in your policy, public liability will protect you against potentially business-ending legal fees and compensation claims. If your actions or those of your business means that members of the public are injured or their property damaged and they choose to bring claims against you, public liability will assist with the financial fallout. When your job regularly involves contact with the public, this is crucial
• Employers’ liability – do you run a security company? Or employ staff of any kind? If so, you’ll need employers’ liability cover, it’s a legal requirement. Irrespective of whether your staff are full-time, part-time, temporary or even contracted, if you employ anyone, you’ll need this in place. Employers’ liability covers you if your employees seek damages against you as they have become ill or injured due to your business’ actions or the environment in which they work. As you are legally required to have this cover, it makes sense to include it in a wider policy and so potentially save on your overall premium
• Security dog liability – if you use a dog for either guarding, drugs or explosives detection, then dog liability cover is there for you. This will protect you from the costs of claims brought against you if your dog causes damage to property or injuries to people. Regardless of how well trained they are, animals can make mistakes and you won’t want this to cause you large compensation costs
• Cash carrying liability – do you need to carry money in your job? If you own a cash collection company that is responsible for collecting and transporting large volumes of money from your customers to the bank, you’ll want this in place. This will protect you from threats that can arise when you are transporting cash, money that is stored on your premises and even personal assault cover if you are unable to work following an attack.
• Wrongful arrest cover – if you work as a door supervisor or as a guard then this could be vital for you. Wrongful arrest cover defends you against legal fees and costs if your actions or testimony leads to somebody bringing claims against you for wrongful arrest. When tempers fray after one too many drinks, this policy could protect both your finances and your reputation
• Loss of keys cover – if you’re entrusted with the keys to the place you’re protecting, loss of keys cover gives you total peace of mind. If you lose your keys then this will assist with the costs of replacing them. Better yet, if your keys are stolen and then the premises burgled, your loss of key insurance could assist with the costs of replacing losses
• Professional indemnity cover – as someone who provides a service and who can be required to advise on best practise, you’ll want professional indemnity. This piece of cover protects you against clients suing you over your service or the advice you have given should they suffer financial losses as a result
• Get specialist help – as we have said, insuring this type of premises can be complicated so it pays to contact an independent broker. They will be able to offer you all the help and advice you will need and will be able to do the shopping around for you, saving you time and money