Alarm Installers Insurance
DESIGNED AROUND YOUR BUSINESS
Get alarm installers insurance arranged by the professionals at Darwin Clayton. Whether you’re installing CCTV, security systems, or fire alarms, our specialist protection is built around your business’s needs. To get an alarm installation insurance quote, call us now on 01892 511 144 or click below, and we’ll call you back.
Why get alarm installers insurance through Darwin Clayton?
Darwin Clayton has helped thousands of alarm installers get the specialist insurance they need. Thanks to our deep understanding of your industry, working with us offers you the following advantages:
As you can see, your business insurance is in excellent hands with Darwin Clayton
We're here to help.
What does alarm installers insurance cover?
All alarm installers businesses are unique, and the cover your business requires will depend on things such as where you’re working, the services you offer, and whether you have any employees. Darwin Clayton has a long history of providing security and alarm installers with specialist insurance solutions, and we can offer cover against:
Also known as EL insurance, this cover is a legal requirement if your business has staff. It provides compensation for employee injuries or illnesses incurred at work. If you hire people without having EL insurance cover, you can face fines of up to £2,500 for each day.
Public liability for alarm installers provides protection when you or your employees are held liable for accidents that caused injury to your clients, customers, or the public or if their property was damaged because of your business activities.
The alarm installers’ insurance we arrange includes an extension of cover for damage to property being worked upon. So, if you accidentally damage an alarm panel you are working on, this will protect you against the cost of repair or replacement. Not all policies offer this level of protection.
If the products you supply to customers cause damage or injury, you could be held liable in the event of the claim.
If a product you supply fails to perform its intended function, this could result in disastrous consequences and significant losses for your clients. Products inefficacy insurance will protect your business from the resulting claim investigation, defence, legal proceedings, and compensation.
Your staff are in a position of trust. If they commit an act of theft or fraud which results in a direct loss of money or goods belonging to you or a customer, then this policy feature will cover the costs of a resulting claim against your business.
If you’re entrusted with a client’s keys, and you lose them, this will cover the cost of replacing the keys and a change of locks if necessary.
Financial loss insurance covers your business against losses which you become legally liable to pay as compensation, plus costs and expenses for accidental financial loss where no damage has occurred.
Are there any policy options for alarm installers insurance?
Common options include:
If you offer any consultancy, design or advisory services, then professional indemnity – or PI insurance – could be important for protecting your business.
Covers your office contents, computer equipment, trade plant and machinery, stock, and buildings.
Covers financial losses following an incident such as fire or flood, protecting your business should you incur additional costs to continue trading to your previous level.
This covers the value of the work being carried out prior to completion of the contract. It insures the works against accidental loss, damage, or destruction.
Covers damages to plant and tools that you own whilst at the contract site, in transit or at your premises.
This covers damage to plant hired in by you whilst at the contract site, in transit or at your premises.
This covers physical loss or damage to tools belonging to employees, principals, partners, or directors within territorial limits.
Typically covers financial loss caused by theft or physical attack, providing protection for money while in transit or on the business’s premises. This cover helps in situations where theft, robbery, or violent attacks occur, offering compensation for losses incurred during these events.
This covers the value of your goods in transit to your customer’s premises.
This covers physical loss or damage to specified plant, equipment, or stock anywhere in the UK.
With the many risks faced by businesses, seeking legal advice and formulating legal documents, such as employment contracts, can be time-consuming and expensive when the services of solicitors and other legal experts are engaged. Legal expenses cover not only offers the services of legal representation but also provides free legal advice on a range of legal problems and access to a suite of helpful documents.
This cover will protect your business from losses and damages resulting from acts of terrorism.
As with any insurance policy there are terms and exclusions, we will discuss this with you during the quotation process.
Does Darwin Clayton offer any additional policies to protect your business?
The UK has seen a significant rise in cyber-attacks, as highlighted by the 2023 Cyber Security Breaches Survey conducted for the UK Government, revealing that 59% of medium-sized organisations reported experiencing a cyber security breach or attack within the past 12 months. As this threat escalates, considering a cyber insurance quote becomes more important for a modern business.
Often referred to as directors & officers (D&O) insurance, protects against the expenses related to compensation claims filed against your directors, officers, or top-level management for alleged wrongful actions. These claims may arise from various sources, including dissatisfied employees, clients, investors, stakeholders, and regulatory bodies, and might encompass civil, criminal, or regulatory proceedings. Additionally, a management liability policy can include cover for legal expenses incurred by directors in their defence during such cases.
This insurance cover includes three core elements:
- A separate cover for your computer equipment
- Contractor’s plant covers your machinery such as a cherry picker or MEW
- As your equipment should be inspected regularly, this policy covers you for statutory inspection service
This cover offers you a loss adjuster to work on your behalf to investigate and present your property and business interruption claim to the insurer. This cover can be invaluable if your business suffers a serious loss following a flood or fire.
If one of your employees has an accident, and it leads to temporary or permanent disablement, or even death, a benefit payment will be made. Business travel can also be added to this cover.
- Motor fleet insurance covers your multiple vehicles on a single policy. It can be a mix of vehicles, including vans, cars, and trucks.
- Uninsured loss recovery insurance pays for a solicitor to pursue a guilty third party for recovery of your uninsured losses such as policy excess, hire vehicle charge, loss of earnings; as well as costs to pursue a personal injury claim.
- GAP insurance will cover the outstanding balance of a finance or lease agreement on your motor vehicle following its write-off or up to 25% of the write-off value.
If a customer fails to pay you for services or products, whether it’s due to insolvency, refusal, or inability to pay, credit insurance will indemnify your losses. The insurance will also provide insights into customers credit ratings and what limits of credits to offer.
Performance bonds are a type of surety bond and are written promises to pay for direct loss of damage suffered by third party as a result of a breach of contract. Performance bonds are typically issued for 10% of contract value and are common with construction projects to protect the employer against the contractor failing.
Alarm installers insurance FAQs
It’s crucial that you get the right insurance for your business. To help you do that, here are our alarm installers insurance frequently asked questions. We hope they‘re helpful, but if you would like some personalised help, please get in touch with us on 01892 511 144.
If you have staff then you must have a minimum of £5m employers’ liability insurance, it’s a legal requirement.
Your specific insurance needs may vary depending on the services your business offers and your clients’ needs. Common covers include public liability, employers’ liability, product liability, product inefficacy, professional indemnity, contract works and tools insurance.
Because accidents happen. Accidental damage to a client’s property, injury to a third party, stolen or damaged equipment and other unexpected events could mean your business loses money, results in lost business opportunities, and can affect your business’s operations. A good alarm installers’ insurance policy can protect your business from legal and financial liabilities.
Getting a quote is easy. Just give us a call on 01892 511 144, and our friendly team will help you finding the right protection for your business. We understand your industry well and will work with you to tailor insurance solution that fits your alarm installers’ business.
That will depend on the level of protection your business requires, your annual wages and turnover, what equipment you have, your claims history, etc. If you would like to get an alarm installers insurance quote, call us on 01892 511 144 or start your quote here.