CCTV installer insurance
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Rated 4.7/5
Based on 39,717 reviews
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For 80% of settled claims
Why is CCTV insurance important?
Millions of UK businesses and households rely on CCTV, but correct installation and maintenance is essential. Your profession carries specific risks and liabilities, whether you’re dealing with local residential clients or nationwide commercial jobs. If a claim came up, would you have the funds ready to handle it? CCTV installation insurance can provide a backstop, starting with public liability cover for damage and injuries.
- rated 4.7/5 based on 39K+ public liability customer reviews
- public and product liability insurance from £1 million to £10 million
- cover for what you need, from personal accidents to tools and equipment
What does CCTV installer insurance cover?
CCTV insurance usually starts with public and product liability cover – designed to protect you from potentially expensive claims for third party injuries or property damage. From there, you can add specific cover for legal costs, tools and equipment and personal accidents, plus employers’ liability cover for anyone you’ve hired.
Public liability insurance for CCTV installers
In case your CCTV company causes an injury or property damage.
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
Business and office equipment insurance
n case essentials like your laptop or phone are lost, stolen, or damaged.
Tools insurance
In case your work tools are lost, stolen, or damaged.
Stock insurance
In case something happens to the stock you keep in supply.
Own plant insurance
In case your own plant machinery is lost, stolen, or damaged.
Hired-in plant insurance
In case your rented plant machinery is lost, stolen or damaged.
Legal expenses insurance
In case you’re faced with legal costs in connection with your CCTV business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or away from work.
Public liability insurance for CCTV installers
In case your CCTV company causes an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your work
- injuries caused by your business activities
- accidental damage or injury caused by your employees, if you have any
For example:
- you drop a tool from a height during an installation, causing a head injury
- a client trips over your tool kit which you’ve left by the door, breaking their knee
Read more about public liability insurance
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an employee, including a contractor or casual labourer, suing you after falling ill because of working for your CCTV business, or
- making a claim for an injury they’ve had while working for you
**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:
- a contractor you’ve hired falls off a ladder which hasn’t been set up correctly, injuring their hip
- your employee receives an electric shock during an installation, damaging a nerve in their hand
Business and office equipment insurance
n case essentials like your laptop or phone are lost, stolen, or damaged.
What’s typically covered by business and office equipment insurance?
- theft, flood, fire, or accidental damage to the equipment you use to run your business
- operational equipment like your laptop, rather than the trade tools you take out and about
For example:
- your three ladders are stolen from the back of your van while you’re parked at a client’s premises
- you knock your
Read more about business and office equipment insurance
Tools insurance
In case your work tools are lost, stolen, or damaged.
What’s typically covered by tools insurance?
- loss, damage, or theft of your hand tools, power tools, and specialist equipment
For example:
- while parked at a client’s premises, your tool kit is stolen from the front seat of your van
- heavy rainfall causes flooding in your garage, damaging your own tools and the supply you hold for employees
What you’ll need additional cover for
- larger plant items you use to carry out your work – you’ll need to add our specific plant cover for these
Read more about tools insurance
Stock insurance
In case something happens to the stock you keep in supply.
What’s typically covered by stock insurance?
- loss, damage, or theft of your work materials, or items you’re planning to sell
For example:
- a fire at your business unit damages the spare parts stock you’ve just ordered
- someone steals five new cameras from the back of your van, while you’re parked
Read more about stock insurance
Own plant insurance
In case your own plant machinery is lost, stolen, or damaged.
What’s typically covered by own plant insurance?
- loss, damage, or theft of things like your own boom lift
For example:
- you invest in two cherry pickers for your business, which are stolen from your business premises
- your man lift is damaged during a storm, and needs significant repair work
What you’ll need additional cover for
- plant machinery you’ve rented – you’ll need to add our specific hired-in plant cover for this
Read more about own plant insurance
Hired-in plant insurance
In case your rented plant machinery is lost, stolen or damaged.
What’s typically covered by hired-in plant insurance?
- loss, damage, or theft of things like a cherry picker, which you’ve hired in
For example:
- you hire two boom lifts for a bigger commercial job and these are damaged in a fire on your client’s premises
- a cherry picker you’ve hired is vandalised during an overnight break-in at your business premises
What you’ll need additional cover for
- tools and plant machinery which you own yourself – you’ll need to add our specific own plant insurance or tools cover for this
Read more about hired-in plant insurance
Legal expenses insurance
In case you’re faced with legal costs in connection with your CCTV business.
What’s typically covered by legal expenses insurance?
- legal costs attributed to your installation 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 as a trusted trade professional
For example:
- you need to pay for legal representation when an employee sues you for unfair dismissal
- a nearby business brings a claim for property damage against your business, and you need to recover legal costs
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or away from work.
What’s typically covered by personal accident insurance?
- accidental injury or death at work or elsewhere, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- your insured employee falls from a ladder, fracturing three ribs – they need at least six weeks off work
- you slip on a wet floor at a family Christmas party, injuring your lower back
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does CCTV installer insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
Example CCTV installer insurance quotes, real prices
£10.6 /month
£86.02 /month
A self-employed cctv installer working at local residential properties
- 1-2 years' experience
- Sole trader
- No employees
- Based in Manchester
Public liability
£1,000,000
Employers’ liability
Not included
Tools
Not included
£93.98 /month
£835.34 /month
A small cctv installer ltd company working at residential and commercial locations
- 5+ years' experience
- Limited company
- 2 employees
- Based in EH11 2AY
Public liability
£5,000,000
Employers’ liability
£10,000,000
Tools
£3,000
How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Can I just cover my most expensive tools?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does CCTV installer insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Can I just cover my most expensive tools?
Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Will tools insurance cover all my equipment?
Depending on what you use to do your work, you may need other covers.
You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.
Does CCTV installer insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider door supervisor insurance or security guard insurance?
Do I need cover for other types of work?
If you provide these services alongside building work, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
Chosen by 900,000 small businesses
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Rated 4.7/5
Based on 39,717 reviews
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CCTV installer insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about CCTV insurance. You can also check out our business insurance FAQs.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you install CCTV, you may also do the odd security consultation job – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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