While you’re busy keeping people and places safe, we’ll get busy arranging the right insurance cover.
Working in the security industry can be a risky business. That’s why you should choose to place your business protection with a trusted broker.
GET A QUOTECALL 01328 857921Security insurance is ideal for those who work with specially trained security patrol dogs.
We understand how important dogs can be to the security sector. That’s why, working closely with NASDU, we have developed the Cliverton ‘loss of use for working dogs’ policy which will provide cover should your dog become unable to work.
Although we specialise in animal trades, we also cover security businesses without dogs too. From retail security, CCTV installation and public event stewarding to dog restraint and detection or dog handler training, Cliverton is well-equipped to understand your security business risks and insurance requirements.
This insurance policy is suitable for those looking to cover their work with and without the use of dogs for static and mobile security work. It is not suitable for those who wish to cover front of house or door supervision.
The following cover types are all included in this security policy.
Public liability – this provides cover for claims made arising from either the actions of you, your security dog, an employee or their dog (whilst working). It provides protection for injury 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 million. This can be increased to either £5 million or £10 million for an additional premium.
Wrongful arrest – 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.
This security insurance policy will cover the following activities:
Products liability – 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.
Employers’ liability – 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 million.
This will cover you for damages and costs which you are legally liable to pay in respect of injury.
Breach of professional duty – 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.
Efficacy – this covers for loss or damage incurred by a third party arising from your (or an employee’s) failure to carry out contracted duties. This section of cover is not available for drug and explosive detection and dog and dog handler training.
Loss of keys – £75,000 of cover is provided for the cost of replacing clients’ keys and locks if they are lost or stolen when held by yourself or an employee.
Loss of use for your working dog – 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 becomes permanently unable to work. This extension will cover you if your dog:
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.
Personal accident – provides financial compensation if the insured party is unable to work due to an injury or illness, lasting for more than 7 days. If you already have a public liability policy with us, you can either add this cover to your existing policy or consider our stand-alone Cliverton Protect policy, to which you can also add sickness cover and offers benefits like 24/7 worldwide coverage. We can offer various levels of cover to suit you and your business so please either call or email the team to discuss your options.
Please note that this does not cover any pre-existing conditions or illness.
Fidelity – 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 is £100,000.
Equipment cover – we are able to arrange cover for the following, where it is used in connection with your business:
Goods in transit – 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.
Loss of money – 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.
Business interruption – provides cover for loss of income following interruption or interference with the business resulting from damage to the property from which you work.
Cash carrying – this will provide cover for your customers’ cash which is being carried by either yourself or an employee.
Vehicle immobilisation – provides cover for any loss or damage caused by the immobilisation of third party vehicles.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
Additional excesses may apply
Terms of Business
Provision of Service Statement
The public liability policy is underwritten by Aviva Insurance Limited.
Security Summary of Cover
Security Policy Wording
Legal expenses policy is underwritten by ARAG plc.
Legal Expenses – Key Facts
Legal Expenses Policy Wording
Important information about our direct debit payment option
We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.
Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics.
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage.
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – Animals listed on the Dangerous Wild Animals Act 1976
I look after the Pest control and Security guarding schemes. It has been great to develop my career with a company that knows and cares so much about their clients.
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