Security Insurance and Alarm Insurance
(Manned Guarding, Static and Mobile Patrols, CCTV Installers, Security Installations, Locksmiths)
If you are looking for our Doorman Insurance scheme, click here
Camberford Law plc are members of The British Security Industry Association Limited (BSIA)
and the International Professional Security Association (IPSA). We are perhaps the leading
Insurance Brokers to the Security Industry and our scheme is utilised by numerous Security
and Alarm Companies in every part of the country.
The Insurances which we are able to arrange for Security Companies and Alarm Companies are
tailored to meet the needs of each individual Client. The Sums Insured, Limits of Indemnity
and type of cover selected will, therefore, reflect such needs. In view of our in-depth knowledge,
we are able to offer advice to our Clients on all Insurance as well as allied matters.
We promise to offer quotations within 48 hours of receiving adequate information about the business
proposed and we endeavour to provide competitive pricing.
Options of Cover Available
Employers' Liability
This Insurance is required by law and provides cover for Legal Liability in respect of death,
bodily injury or disease to any employee which may arise during the course of his or her employment.
Public Liability
Under this Section, indemnity is granted for Legal Liability in respect of accidental bodily
injury to any person (other than an employee and/or loss or damage to property arising during
the course of your Company's business. The Insurance will include Liability for any guard dogs.
Efficacy and Contractual Liability
This Insurance will grant indemnity for your Legal Liability in respect of bodily injury to any
person (other than an employee) and/or loss or damage to property arising out of failure to carry
out the duties which you have contracted to perform, including the deliberate acts, wilful default
or neglect by your company or your employees or servants. This Section will not provide indemnity
for any claim resulting from fraud, dishonesty or embezzlement - this needs to be covered under
the Fidelity Guarantee Insurance.
Products Liability
Under this Section, cover is provided for Legal Liability relating to accidental bodily injury to
any person (other than an employee) and/or loss or damage to property caused by any product or
equipment sold, supplied, repaired, serviced, installed or manufactured by your Company. This
Insurance would, therefore, be recommended to any organisation which is involved in the manufacture,
sale supply, installation or servicing of intruder alarms, fire alarms, CCTVs, door entry systems
or any other security equipment.
Products (Efficacy) Liability including Wrongful Advice
The Insurance afforded by the Section is in respect of bodily injury to any person (other than an
employee) and/or loss or damage to property caused by or arising from failure of any product supplied
to fulfil its intended function arising out of negligence or wilful default or arising from wrongful
advice. This Insurance would, therefore, be recommended to organisations involved in the manufacture,
sale supply, installation or servicing on intruder alarms, fire alarms, CCTVs, door entry systems or
other security equipment. The various Trade Associations and Regulatory Bodies do require that this
Insurance be effected and the cover is provided to fulfil their requirements.
Fidelity Guarantee
This Insurance will make good to your Company and/or your customers such loss which may occur as a
result of any act of fraud, dishonesty or embezzlement by any of your employees. This Section will
also provide cover if any employee misuses your customer's telephone and you are held to be responsible.
Wrongful Arrest
Under this Section, cover is provided for all sums which your company may be legally liable to pay
as damages in respect of Wrongful Arrest committed or alleged to have been committed by your company
or any person employed by you or on your behalf.
Loss of Keys/Consequential Loss following Loss of Keys
This Insurance provides Indemnity against all sums which your Company may be legally liable to pay
in the event of Loss of Keys, necessitating the replacement or alteration of locks. The Insurance
also grants indemnity against all sums payable in respect of consequential Loss arising out of the
Loss of Keys.
Money Insurance
Indemnity will be provided by your company and/or your customers for loss of money belonging to your
customers. The Insurance will commence from the time your Company accepts responsibility for each
consignment of money and shall cease upon acceptance by the customer or any other consignee.
Personal Accident
In addition to legal Liability under the Employers' Liability Section, you may wish to effect cover
for Personal Accident which can be arranged either on a full twenty four hour basis or restricted to
accidents occurring during business hours including traveling to and from the place of work.
Proposal Forms
To obtain a fast, personalised, non-obligation quotation, please either complete an
online form or print off a pdf version from below and send it to us.
Zurich Insurance plc
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Public and Products Liability
Clients insured with Groupama Insurance should contact the Security department if they require a copy of
this policy wording.
As these are in pdf format, you will need to ensure you have
Adobe Reader
installed in order to view it.
Claim Forms
We have a set of standarised
claim forms applicable to all schemes.
They can be found
here.
Contact Us
If you would like to discuss any aspect of our Alarm and Security scheme,
please do not hesitate to contact our dedicated Alarm and Security Insurance division:
Telephone:
020 8315 5063
Fax:
020 8460 2118
Email:
security@camberfordlaw.com