Insurance for alarm installers

Tailored insurance for security alarm & fire alarm installers

Whether you specialise in burglar alarm equipment or fire alarm systems, as a security alarm installer, you and your business are in a unique position of trust. Your customers put their property in your hands, and you need an insurance policy that protects both you and them, freeing you up for day to day work. With Simply Business you can choose from a range of key covers including public liability insurance, tools cover, and stock cover, to build a single, flexible policy. It’s quick, quality cover, without the hassle.

What insurance do alarm installers need?

Public liability insurance is often an important cover for alarm installers and most other trades, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Personal accident insurance will cover you against any serious injury you might suffer during the course of your work, paying out for the likes of lost income and medical costs. You should consider this cover if you would struggle to make ends meet if left unable to work following an accident.

You can also add insurance protection for your tools, plant and machinery, other business equipment and stock.

Alarm installer insurance policy details

• Make sure you read your policy documents carefully in order to understand any exclusions
• Be careful not to underestimate the replacement value of your equipment, if arranging tool insurance
• If you employ people, even in your own home, you are legally obliged to take out employers’ liability insurance. Failure to do so could result in heavy fines
• Ask your clients what level of public liability cover they expect, and buy accordingly.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.