Security Insurance: Save Money with Quality Cover

Security Insurance: Save Money with Quality Cover

What is security insurance?

When you work in the security sector, you are constantly focused on ensuring that your clients are protected, and it is very easy to forget about protecting yourself with security guard insurance. Working in such an environment means that you are exposed to daily dangers that you would not find in a stereotypical 9-5 office job, and it is vital to ensure that you are protected from these risks.

Coversure Rugby understands the unpredictability of working in the security industry, and can offer you security guard cover that is tailor-made exactly to your needs, no matter how complex your needs may be.

Daily dangers of the job

Security insurance is a general term that is used to cover a broad range of professions, including:

  • Security companies
  • Door supervisors
  • Dog handlers
  • Security guards

Working in security – be it as a security guard, as a store detective or even in personal protection – means that you are exposed to a range of different dangers and threats. For example, working as a dog handler means that your job revolves around detecting drugs or explosives, which can carry enormous risks. Similarly, dogs used at events such as music festivals or football matches are trained to deal with violent members of the public and crowd management.

Working as a door supervisor also carries its threats. Nightclub bouncers, for instance, are trained to deal with individuals who are under the influence of alcohol or drugs and have to be able to deal with any situation that may arise as intoxicated people can often be unpredictable and violent. Working as a guard also means that you often have to think fast in dangerous situations. This may involve having to forcibly remove a member of the public from a situation and while it’s the right thing to do it may lead to legal action, legal action that a security insurance policy could help protect you from.

What protection can a security policy offer you?

Good quality security insurance can offer you a wide range of protections, for example:

Public Liability Cover

In a situation where you need to forcefully remove a member of the public, you need to ensure that you have the correct public liability cover. This could protect you against claims for injury or damage to their property or possessions that occur in the course of your work. Public liability would cover the costs of defending your case, as well as any compensation or legal fees you may incur.

Employers’ Liability Insurance

This is similar to public liability cover, but employers’ liability protects you and your employees from illness or injury incurred whilst on your premises. This is now recognised as being required by law if you have anyone working on your behalf.

Professional Indemnity Cover

If you are a security specialist that offers advice to customers, you would be highly-advised to have professional indemnity cover in place. This could protect you if you are sued if a client feels you, or one of your employees, have offered bad advice or services.

How To Save on Security Insurance?

At Coversure Rugby we pride ourselves on good quality cover for an affordable premium. But there are also several things you can do to ensure that you are only paying for what you need:

  • Check your renewals – we understand that one policy does not fit all, so look at what you are paying currently to ensure that you are paying for the correct level of cover
  • Check each policy – small changes can make a big difference in costs. Ensure that you have updated your address if you have moved and your credit check is up to date.
  • Change to monthly payments – though this will not reduce the overall amount you need to pay, this will spread it out over a longer period of time, reducing the pressure to pay a lump sum all at once

Coversure Rugby can also offer you advice regarding further ways to save money on your insurance. For free, impartial advice from our helpful and friendly staff, contact Coversure Rugby on (01788) 878044.

Protect Yourself Today

With employers’ liability insurance being required by law, and other types of insurance being deemed necessary by different insurance organisations, it can be difficult to know what security insurance you really need and which cover will be the most cost-effective for you. At Coversure Rugby we personally tailor cover to your direct requirements, this means that you are only paying for what you need.

As we are a broker, we can search our available market to find you the best deals, which will save you time as well as money on your security insurance quote. As we are part of the Coversure family, we can offer you access to blue-chip name insurers such as Allianz, AXA and LV=, meaning that not only are you paying for what you need, you are also paying for top-quality cover. This lets you focus on protecting others, whilst we focus on protecting you and your business.

By choosing Coversure Rugby as your security insurer, you will gain the peace of mind that you will be covered for a range of scenarios and eventualities, and that you will be compliant with all the relevant legal requirements.

For your free, no-obligation security business insurance quote, or just some friendly advice or information on guarding insurance contact Coversure Rugby today. You can call us on Rugby (01788) 878044 or free on 0800 3081 127 or email us by clicking here.

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