Security company insurance

Public liability insurance for a security company

In case your security business causes property damage, or an injury.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your work
• an injury or illness caused by your business activities
• certain accidental damage or injuries caused by your employees

For example:

• you leave your work bag out on the floor of a client’s busy reception area, causing someone to trip and break their knee
• while patrolling a commercial premises you accidentally knock a shelf of electronic products onto the floor, which break and need replacing

What you’ll need additional cover for

• your own failure to prevent a break-in, or to protect the property you’re contracted to
• if you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your security business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• one of your employees falls from a height while patrolling a client’s premises, breaking their leg and three ribs
• a contractor you’ve hired is attacked on a shift and suffers a fractured skull – they won’t be able to work for you or any other client for at least six weeks

Business and office equipment insurance

In case something happens to equipment like your phone or two-way radio.

What’s typically covered by business and office equipment insurance?

• theft of the equipment you use to operate, rather than portable trade tools
• loss of your equipment
• flood, fire, or accidental damage

For example:

• your two-way radio kits are stolen from the back of your van while you’re parked at a motorway services
• you buy five new lone worker alarms for your patrol, which are left on a client’s site and never recovered

Read more about business and office equipment insurance

Legal expenses insurance

In case you have to pay legal costs connected with your security business.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your security business
• property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
• tax and compliance disputes, and investigations you need help with
• includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis support to help you protect your reputation within the security industry

For example:

• a local business sues your company for property damage, and you need to hire legal representation
• your business hasn’t been registered correctly for tax, and you incur legal costs while dealing with HMRC

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

• accidental injury or death at or outside of work, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you’re struck on the head by a piece of falling equipment on your client’s premises, and need time off work for recovery, as well as hospital check-ups
• your employee breaks his leg at a wedding, and can’t work as normal for at least six weeks

Read more about personal accident insurance