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Security Insurance

From only £311.20 per year

Direct Debit Available

Enquire Now

Security Insurance

From only £311.20 per year Direct Debit Available

Enquire Now

Cliverton are able to arrange Public Liability for those who work with and without dogs in the security industry, the policy will also include those who use specialist detection dogs. Working closely with NASDU we have developed the Cliverton Loss of Use for Working dogs policy with our insurer, which will provide a fixed sum should your dog become unable to work. Cliverton are able to arrange for either an annual policy or a 30 day policy should you have a short-term contract.

This product is suitable for people and businesses who are wishing to cover their liability to the public whilst working with specially trained dogs for the purpose of security work, this policy is also suitable for individuals and business who do not use dogs during the course of their security work. This policy is not suitable for people and businesses who wish to cover their public liability for door supervision, pitch-side stewarding or front of stage crowd control.

 

What’s included
  • Public Liability £2,000,000
Optional
  • Public Liability £5,000,000 or £10,000,000
  • Products Liability limits vary
  • Employers’ Liability £10,000,000
  • Loss of Use for Working Dogs
  • Material Damage
  • Loss of Keys £75,000
  • Wrongful Arrest £50,000
  • Fidelity £100,000
  • Efficacy
  • Professional Indemnity
  • Personal Accident £200 per week
  • Goods in Transit £3,000
  • Trade All Risks
  • Money £50,000
  • Business Interruption
  • Cash Carrying £30,000
  • Vehicle Immobilisation £75,000
  • Legal expenses (separate policy available)
  • Public Liability £2,000,000
  • Public Liability £5,000,000 or £10,000,000
  • Products Liability limits vary
  • Employers’ Liability £10,000,000
  • Loss of Use for Working Dogs
  • Material Damage
  • Loss of Keys £75,000
  • Wrongful Arrest £50,000
  • Fidelity £100,000
  • Efficacy
  • Professional Indemnity
  • Personal Accident £200 per week
  • Goods in Transit £3,000
  • Trade All Risks
  • Money £50,000
  • Business Interruption
  • Cash Carrying £30,000
  • Vehicle Immobilisation £75,000
  • Legal expenses (separate policy available)

POLICY INFORMATION

Business Activities Covered

  • Static & mobile patrols with & without specialist dogs
  • Retail Security 
  • Public event stewarding (excludes crowd control & pitch side stewarding)
  • Close Protection (conditions apply)
  • Public Space Survaillance / CCTV monitoring
  • CCTV and Alarm installation
  • Residential Estate Crime patrols
  • Assisting bailiffs
  • Dog Restraint & Detention
  • Dog & Dog handler training (including all pre-SIA training)

30 Day Policies

Should you only require cover for a short period of time we are able to arrange for you with a 30 day policy which will provide you with public liability and efficacy (failure to perform). For more information please click here to see the short term security policy

You are also able to add the following additional covers for an additional premium should you require –

  • Loss of Keys
  • Wrongful Arrest
  • Financial Loss
  • Fidelity
  • Cash Carrying
  • Vehicle Imobilization

 

Public Liability

This provides cover for claims made arsing from either the actions of you, your security dog, an employee or their dog (whilst working) which has caused injury to a third party or damage to their property. Where 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.

Products Liability (optional extra)

This will cover you should a claim arise 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 (optional extra)

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 which 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.

Efficacy (optional extra)

This section covers legal liability for loss or damage incurred by a third party arising from your or an employee’s failure to carry out contracted duties, it also includes financial loss incurred due to the failure of a product to perform its intended function.

This will also provide cover for loss of a customer’s property as a result of theft whilst under the care of you or your employees.

Should you wish to include this cover the limit of indemnity will match the selected Public Liability limit.

This section of cover is not available for drug & explosive detection and dog & dog handler training.

Wrongful Arrest (optional extra)

This provides cover for your legal liability for claims you may be required to pay to a third party if you or an employee wrongfully detain a person against their will or if you or an employee takes them into custody.

The limit for this is £50,000 per event.

Loss of Keys (optional extra)

£75,000 of cover is provided for the cost of replacing clients’ keys and locks following their loss and any consequential costs, where they keys were held by either yourself or an employee.

Professional Indemnity (optional extra)

Professional Indemnity covers you for claims and the claimants costs and expenses that have occurred as a result of your business where negligence can be proven when giving advice, written reports or for breach of duty of care.

The limits available for this are £500,000, £1,000,000 or £2,000,000.

Loss of Use for your Working Dog (optional extra)

Where you use a specialist dog for your business we are able to arrange  you with a fixed sum benefit should the dog become permanently unable to work. This extension will cover you should your dog-

  • Die 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 vets report or certificate to certify that the dog is healthy, free from injury or disease and is fit for duty. We will also require a confirmation of that the dog is microchipped together the microchip number.

Personal Accident (optional extra)

By including Personal Accident cover under your policy you will be provided with a weekly benefit of £200 payable for 104 weeks in the event of you suffering 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 where 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 (optional extra)

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

The limit available per employee if £100,000.

Material Damage (optional extra)

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

Goods in Transit (optional extra)

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.

Money (optional extra)

Provides up to £50,000 cover for the loss of money belonging to your business or for which you are responsible, along with benefits in respect of bodily injury sustained by you or an employee as a result of robbery or attempted robbery arising in the course of the business.

Business Interruption (optional extra)

Provides cover for loss of income following interruption or interference with the business resulting from damage to the property used by you at the premises which is caused by an insured peril.

Cash Carrying (optional extra)

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

Vehicle Immobilisation (optional extra)

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

Legal expenses (optional separate policy)

This is a separate policy running alongside your main business policy and will provide cover unexpected Legal Expenses relating to your business. These could relate to employment disputes, property and landlord disputes, contract disputes, tax protection or regulatory compliance and much more. It also provides a 24 hour legal and tax advice helpline along with an online hub of document and contract templates.

What is not covered?

  • Pitch-side stewarding
  • Door supervision
  • Any work outside of the United Kingdom
  • The use or carrying of firearms
  • Any excess applicable

Excesses

  • 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 – £100
    • 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 Imobilization
    • £750 or 7.50% of the loss (whichever is greater)

Additional excesses may apply.

For Legal Expenses excesses please click here

IMPORTANT INFORMATION

Service Statement

Terms of Business

The Public Liability policy is underwritten by MS Amlin Underwriting Limited

Security Key Facts

Legal Expenses Policy is underwritten by Markel International Insurance Company Limited.

Legal Expenses – Key Facts

Legal Expenses Policy Wording

 

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