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The work you do helps to protect people and property, but it’s important that you take steps to keep your own business safe too. Whether you specialise in alarm, CCTV or security system installation, you’ll know better than anyone that unforeseen events can have huge consequences for your business.
The work you do helps to protect people and property, but it’s important that you take steps to keep your own business safe too. Whether you specialise in alarm, CCTV or security You might accidentally injure someone as a result of your work, a system you install could fail and cause a client to suffer a theft, or your equipment may be stolen, lost or damaged, for example. In cases like these, you could be left facing major costs. At Markel Direct, we offer tailored CCTV, security and alarm installers insurance that will help to protect your finances and give you added peace of mind.
Cover at a glance:
- Public liability cover up to £5m
- Tools and equipment cover and occupational personal accident cover available
- Protection for accidental damage and injury claims
What is alarm, CCTV and security installer business insurance?
Alarm, security system and CCTV installer insurance refers to a package of cover options designed to suit the needs of people working in your industry. It usually starts with public and product liability protection and often also includes tools insurance, employers’ liability cover, occupational personal accident insurance and more. At Markel Direct, we can tailor our policies to match your precise requirements, meaning you benefit from the financial protection you need without paying for unnecessary cover.
Cover starting from
£10 a month*
*Price based on an alarm, CCTV and security installer requiring £1 million worth of public liability cover
Do I need alarm, CCTV and security installer insurance?
As an alarm, CCTV or security system installer, you might need certain types of insurance. Having suitable business insurance in place can help to make the difference between success and failure in your industry. After all, no matter how careful you are, there is always a risk that problems will arise. And if you lack appropriate insurance, the effects on your finances could be serious.
If you accidentally damage a client’s property while fitting an alarm or security system, could you cover the cost of repairs? Or what if a client sues you because a solution you provide fails and this causes a break-in to go undetected? If you may struggle to cope with the financial implications of situations like these, it’s wise to have insurance in place.
You should also consider the tools and equipment you rely on to do your job. If these were to be damaged, stolen or lost, would you be able to pay to repair or replace them? If not, you might want to consider having tools insurance in place for such eventualities.
Another type of protection to be aware of is employers’ liability insurance. If you have anyone working for you, including contractors or temporary employees, you are legally required to take out this type of financial protection.
Public liability insurance for alarm, CCTV and security installers
As an installer of alarms, CCTV or security systems, you will frequently come into contact with members of the public and their property. This is why public liability insurance is considered important for many businesses like yours. It covers you for any injury or property damage you cause to a customer or member of the public as a result of your work.
For example, imagine you are installing a new security system in a customer’s home. As you try to position one of the alarms high up on the exterior of the property, you accidentally drop a tool, which lands on the customer and causes serious head injuries. A case like this could result in major compensation costs and legal fees. Public liability insurance for security system installers is there to cover such expenses, helping to safeguard your finances.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Why choose Markel Direct for alarm, CCTV and security installer insurance?
Here are just some of the reasons to choose Markel Direct for your alarm, CCTV and security installer insurance:
What types of insurance do alarm, CCTV and securityinstallers need?
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Public liability insurance
Public liability insurance protects you as an installer from claims made by clients or members of the public who suffer an injury or damage to their property because of your work. We offer policies with cover limits of between £1 million and £5 million.
Example of a claim:
A client trips over a tool kit you have left by the door, breaking their leg as a result. They sue you over their injuries. -
Employers' liability insurance
Employers’ liability insurance is there to cover compensation costs and legal fees if a worker sues you over an injury or illness they suffer due to their job. You are required by law to have a minimum of £5 million of this type of cover if you employ anyone. Our policies are available with a limit of £10 million.
Example of a claim:
While one of your employees is working at a height fitting an alarm, the ladder they are standing on breaks, causing them to fall and suffer serious injuries. They take legal action to cover their suffering and lost earnings. -
Tools insurance
Tools insurance protects you if the equipment you rely on to do your installation work is stolen, damaged or lost. Our policies are available with limits of £1,000 and £5,000. You have the choice of insuring your tools around the clock or only during working hours (8am – 8pm).
Example of a claim:
The storage unit where you keep your tools is broken into and a number of valuable pieces of equipment are taken, meaning you have to buy replacements. -
Legal expenses insurance
Legal expenses insurance can help to cover the cost of defending or pursuing legal actions against other parties such as suppliers, clients or employees. This could be for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.
Example of a claim:
A supplier has failed to deliver building materials you’ve paid for and is ignoring your requests for a refund. You face the costs associated with recovering the debt owed to you.
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Occupational personal accident insurance
Occupational personal accident insurance supports your income if you’re not able to work because of an injury you sustain due to your job. It can either provide a lump sum or weekly payments, depending on the type of injury you suffer.
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Owned plant insurance
Owned plant insurance covers you if you have to repair or replace your own plant machinery because it has been stolen or damaged. We offer cover with limits of between £10,000 and £50,000.
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Hired in plant insurance
Hired in plant insurance protects you if you hire plant equipment from a third party provider and it’s stolen or damaged. Our policies are available with cover limits of between £10,000 and £50,000.
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Contract works insurance
Contract works insurance is there to protect your finances if you have to pay to redo or repair work you have carried out on a construction site in the event of a theft, fire, flood or act of malicious damage.
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Goods in transit insurance
Goods in transit insurance pays out if your goods are damaged or lost while being moved from one location to another. It can cover items being moved by a courier or in your own vehicles.
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Professional indemnity insurance
Professional indemnity insurance is there to protect your finances if a client sues you because they believe you have made a mistake in the advice or service you have offered.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does security, CCTV and alarm installation insurance cost?
At Markel Direct, we offer alarm, CCTV and security installers insurance from £10 a month for £1 million worth of public liability cover*. When it comes to insurance, the cost varies from business to business depending on;
- The size of your business - your turnover and whether you have any employees
- The level of cover you choose
- The types of projects you work on and the equipment you use.
To get a clearer idea of how much CCTV, security system and alarm installer insurance will cost you, simply get a quote online.
Whatever the security installation insurance cost works out at, if you decide to go ahead and purchase cover from us, you can choose whether to start your insurance immediately or arrange protection up to 30 days in advance.
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Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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Is business insurance a legal requirement for alarm, CCTV and security system installers?
No, most types of insurance are not a legal requirement for alarm, CCTV and security system installers. However, if you have people working for you, you are required by law to take out employers’ liability cover.
Also, note that while other forms of cover may not be mandatory, lacking the right protection could put your finances at serious risk. -
Can I just cover my most expensive tools?
When you purchase tools insurance from us, we require you to cover all your equipment. This means you’re fully protected should something go wrong. If you fail to get insurance for all your equipment, this could result in a claim not being covered, or you receiving a smaller sum in compensation.
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What should I do if a client asks me for proof of insurance?
You may find that certain clients ask you for proof of insurance before they will hire you to install a security system. If they do, you can show them the 'Confirmation of Liability Insurance' that we email you as soon as you buy protection from us.
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How is Markel regulated?
Markel Direct is trading name of Markel International Insurance Company Limited, which is authorised by the Prudential regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For further details, you can visit the Financial Services Register.
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