Public Liability Insurance
Public liability insurance is crucial for any security system installer. It protects you if a member of the public is injured or their property is damaged as a result of your work. For example, if you accidentally drop a tool while installing a new security system and damage your client’s property, public liability insurance would cover the cost of repairs.
We offer public liability cover with limits ranging from £1 million to £10 million, ensuring you have the level of protection your business needs.
Professional Indemnity Insurance
Professional indemnity insurance protects you against claims of negligence, errors, or omissions in your professional services. For instance, if a client claims that your faulty alarm installation led to a security breach, professional indemnity insurance would cover your legal costs and any compensation you might need to pay.
Employers’ Liability Insurance
If you employ anyone, even on a casual or temporary basis, employers’ liability insurance is legally required in the UK. It covers you if one of your employees is injured or becomes ill due to their work. For security system installers with a team, this business insurance is essential.
Tools and Equipment Insurance
Your tools and equipment are vital to your work. Tools and equipment insurance protects these assets against theft, loss, or damage. This cover ensures you can quickly replace your tools and get back to work if they’re stolen from your van or damaged on a job site.
Contract Works Insurance
Contract works insurance, also known as contractors all risk insurance, covers ongoing work at a client’s site. If a fire or theft occurs at the installation site, damaging your partially completed work, contract works insurance would cover the cost of redoing the work.
Product Liability Insurance
If you supply and install security products, product liability insurance is crucial. It covers you if a product you’ve supplied or installed causes injury or damage. For example, if a faulty alarm system you’ve installed causes a fire, product liability insurance would cover the resulting claim.
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