Security Insurance

Cliverton’s sourced security insurance policy will cover the following activities:

• Static and mobile patrols with and without specialist dogs
• Retail security
• Public event stewarding (excludes crowd control & pitch side stewarding)
• Close protection (conditions apply)
• Public space surveillance / CCTV monitoring
• CCTV and alarm installation
• Residential estate crime patrols
• Assisting bailiffs
• Dog restraint and detention
• Dog and dog handler training (including all pre-SIA training)

This provides cover for claims made arising from either the actions of you, your security dog, an employee or their dog (whilst working). Whereby injury is caused to a third party or damage to their property. This applies to situations in which the damage or loss was due to your negligence.

The standard limit of indemnity is £2,000,000, this can be increased to either £5,000,000 or £10,000,000 for an additional premium.

This provides cover for your legal liability for claims you may be required to pay to a third party.  Specifically, this applies to situations in which you or an employee wrongfully detain a person against their will or if you or an employee take them into custody.

Provides cover against  costs which arise in connection with the business from any breach of professional duty as a direct result of any negligence or omission.

This will cover you in the event of claims caused by products you have supplied during the course of your business activities.

The limits of indemnity will match the public liability.

Please note this is NOT cover for retail sales where you sell any products.

Where you have either paid, voluntary or self-employed helpers working under your direction, in connection with your business, it is a legal requirement that you have employers’ liability insurance.

This will provide cover in the event of them being injured whilst working for you. The amount of cover provided is £10,000,000.

This will cover you for damages and costs which you are legally liable to pay in respect of injury.

Provides cover against costs which arise in connection with the business from any breach of professional duty as a direct result of any negligence or omission.

£75,000 of cover is provided for the cost of replacing clients’ keys and locks following both their loss or theft. Where the keys were held by either yourself or an employee.

Where you use a specialist dog for your business, we are able to provide you with a fixed sum benefit in the event that the dog become permanently unable to work. This extension will cover you if your dog:

• Dies as a result of an accident
• Is stolen
• Disappears and is not recovered
• Is permanently injured as a result of an accident

The maximum amount payable under this extension is £6,000 and is dependent on the age of the dog.

Should this extension be required, Cliverton will need from you a vet’s report or certificate to certify that the dog is healthy, free from injury or disease and is fit for duty. We will also require confirmation that the dog is microchipped, together with the microchip number.

By including personal accident cover under your policy, you will be provided with a weekly benefit of £200 payable for 104 weeks.  This protects the insured party should they suffer an injury whilst carrying out your business activities.

This cover also includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.

We are also able to include employees should they sustain an accidental injury whilst working for you.  Specifically, this applies to situations in which you or the business has not been negligent.

Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.

Fidelity insurance provides cover for claims from your customers for loss of property.  It applies if your employees commit fraud, theft or embezzlement whilst working for you.

The limit available per employee if £100,000.

We are able to arrange cover for the following, where it is used in connection with your business –

• Buildings (restrictions apply)
• Contents
• Stock
• Portacabins (restrictions apply)
• Tools of the trade
• Mobile telephones
• Computer equipment

This section provides cover for damage to property belonging to you (or the business) or held in trust for which you are responsible, whilst it is in transit within the United Kingdom.

The limit of indemnity for this is £3,000.

Provides your business with up to £10,000 coverage for the loss of money that belongs to your business or for which you are responsible. It also includes benefits for bodily injuries sustained by you or your employees due to robbery or attempted robbery that occurs during the course of business operations.

Provides cover for loss of income following interruption or interference with the business resulting from damage to the property from which you work.

This will provide cover for your customers’ cash which is being carried by either yourself or an employee.

Provides cover for any loss or damage caused by the immobilisation of  third party vehicles.

• Any work outside of the United Kingdom or in the Republic of Ireland
• The use or carrying of firearms is NOT covered.
• Door supervision
• Pitch-side stewarding
• Front of stage crowd control.
• Any excess applicable.

• Public Liability
  • Third Party Injury  – NIL
  • Third Party Property Damage – £250
• Material Damage
  • Buildings – £250
  • Subsidence – £2,500 (maximum)
  • Contents, stock – £100
  • Goods in transit – £100
  • Money – Nil
  • Tools/Mobiles/computers – £100
• Loss of Keys – £250
• Efficacy – Variable
• Fidelity – £250
• Professional Indemnity – NIL
• Cash Carrying 
  • £750 or 7.5% of the loss (whichever is greater)
• Vehicle Immobilization
  • £750 or 7.50% of the loss (whichever is greater)

Additional excesses may apply.

Terms of Business LBSD v20 06.07.23

CLIVERTON_Provision of Services Statement 03.07.23

The Public Liability policy is underwritten by Aviva Insurance Limited

Security Summary of Cover 

Security Policy Wording