Security Company Insurance - Darwin Clayton
Follow us

Security company insurance

tailored to your business needs

Get security company insurance designed to cover your specific needs through the specialists at Darwin Clayton. To discuss your business’s insurance needs or to get a security insurance quote, call us on 01892 511 144 or follow the links below.

Why get security insurance through Darwin Clayton?

Your security company is one-of-a-kind, and finding insurance that meets your business’s specific needs is important. With over 40 years of experience in arranging insurance for security and manned guarding companies, the team at Darwin Clayton understands your industry and your business. With Darwin Clayton you can get professional advice and personalised insurance solution tailored to your requirements. Partnering with us also gives you the following benefits:

As you can see from the following client testimonial, your security business insurance is in excellent hands with Darwin Clayton

“I would like to thank you for the complete professional services that you have given Veritech over the years. You are the highest achieving KPI supplier we have ever had, and I am very grateful to have you as part of our team.”
Paul Oldridge | Managing Director
Veritech Security

What is security company insurance?

Insurance for security companies helps protect your business and your employees from the risks faced on a day-to-day basis. The exact make-up of your policy will depend on the services you offer and your clients’ requirements, but common policy elements include:

What does security insurance cover?

Every security and manned guarding business has its own characteristics, and the services you offer and the environment you work in will determine the specifics of your security company insurance quote.  At Darwin Clayton, our team of experienced professionals can tailor a policy to suit your business’s requirements.  Our security insurance includes various important covers, such as:

As an employer, you are responsible for the health and safety of your employees whilst at work. Employers’ liability insurance (EL insurance as it’s also known) of £5m is a legal requirement if you have any staff. Businesses that hire people without having this insurance cover can face fines of up to £2,500 for each day they are uninsured. If your employee is injured or becomes ill because of the work they do for you and they bring a claim for compensation against your business, you will be protected.

Public liability insurance for security companies covers your business if you or your employees are held liable for accidental injury to your clients, customers, or the public or for damage to their property because of your security business’s activities.

If your security company fails to carry out your contracted security duties or services, then you could be held liable for the resulting damage or theft.

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.  Product inefficacy insurance will protect your business from the resulting claim investigation, defence, legal proceedings, and compensation.

This covers your legal liability for claims arising out of any unlawful physical restraint of a person by one of your security officers.

This cover provides protection for claims made against you by your customers as a result of theft of customer’s money or property, fraud or embezzlement. Cover also includes misuse of customer’s telephones.

This cover provides protection against loss of your own money or property caused by an act of theft, fraud or dishonesty by one of your employees.

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.

If you offer any consultancy or advisory services or products, then professional indemnity – or PI insurance – is important for protecting your business. 
Professional indemnity insurance protects you against claims for loss or damage made by clients or third parties of negligent advice you offered.  This cover is often a contractual requirement, even when you do not provide any consultancy or advice.  


This provides cover for costs incurred by your business, with insurers prior written consent, to mitigate damage to your company’s reputation.

As with any insurance policy there are terms and exclusions, we will discuss this with you during the quotation process.

Are there any policy options for security company insurance?

Given the nature of the security and manned guarding work you do, you might require an optional cover in your security company insurance quote.

This provides cover for accidental loss of customers’ money that your business holds in trust from the time you accept responsibility in writing for each consignment.

Does Darwin Clayton offer any additional policies to protect your business?

This cover is becoming more important for modern businesses due to the increase in cyber-attacks in the UK. The 2023 Cyber Security Breaches Survey, conducted for the UK Government, revealed that 59% of medium-sized organisations encountered a cyber security breach or attack in the past 12 months.

Also known as directors & officers or D&O insurance. This covers the cost of any compensation claims made against your directors, officers, or high-ranking management for alleged wrongful acts. Claims could be made by disgruntled employees, clients, investors, stakeholders, and even regulators and could involve civil, criminal, or regulatory proceedings. A management liability policy can also cover any legal costs that arise for directors in defending their case.

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 insurance cover includes three core elements: 

  • A separate cover for your computer equipment
  • Contractor’s plant covers your machinery 
  • As your equipment should be inspected regularly, this policy covers you for statutory inspection service

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. 

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 cover will protect your business from losses and damage resulting from acts of terrorism.

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 can be invaluable if your business suffers a serious loss following a flood or fire. 

Performance bonds are a type of surety bond and are written promises to pay for direct loss or damage suffered by a third party because 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.

Security company insurance FAQs

It’s important for security and manned guarding companies to get the right insurance. To help you do that, here are our security business insurance frequently asked questions.  We hope they are helpful, but if you’d like any advice or a security insurance quote, then please call us on 01892 511 144

If you have employees, you will need at least £5m of employers’ liability insurance – that is a legal requirement.

The exact make-up of your cover will depend on the services you offer and your clients’ needs. We typically arrange covers such as public liability, employers’ liability, professional indemnity, inefficacy and contractual liability, and fidelity bonding insurance, but if you’d like some personalised advice, please call us on 01892 511 144.

Security contractors face a range of risks on a daily basis, and you need financial protection from them. Theft of or damage to a client’s property, injury to a third party, or stolen equipment, are just some of the risks this type of policy can cover. A good insurance policy safeguards your business from these unexpected events, covering legal and financial responsibilities.

Having the appropriate insurance cover is not only a responsible business practice but also a way to protect the financial stability of your security company in the event of unexpected incidents or accidents. It provides peace of mind to both the contractor and their clients and ensures that the business can continue to operate effectively.

Getting a quote is easy, you can call us on 01892 511 144, and our team of insurance professionals will help you find the protection you need.  We understand your industry, and we will work with you to arrange insurance that fits your 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 a security insurance quote, call us on 01892 511 144 or start your quote here.

Like some more security company insurance help?

If you’d like some help with your security company Insurance, please give us a call on 01892 511 144. Our team of insurance professionals will be happy to help you get the protection you need and offer you a security company insurance quote.