CCTV installer insurance

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

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:

• Alarm installer insurance
• Security alarm shop
• Security systems shop
• Security – training only
• Satellite dish installer insurance
• Electrical engineer insurance
• Electrician insurance

Other types of insurance

• Limited company insurance
• Self-employed insurance
• Freelance insurance
• Consultant insurance
• Contractors insurance
• Sole trader 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.