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Our security consultant insurance can offer specialist cover for security and alarm consultancy businesses. With over 25 years experience insuring professionals, we have an unrivalled knowledge of the risks facing your industry.
Assessing your clients’ security risks can carry risks of their own. Poor advice given to your client, an accident during a visit or a break-in at your offices could have serious repercussions for your business. Our insurance for security consultants can give you the peace of mind your business is covered against such risks.
Cover at a glance:
- Comprehensive tailored insurance for security consultants
- Covers errors in risk assessments and security planning
- Legal expenses and occupational personal accident cover optional
What is security consultant insurance?
Security consultant insurance is a specialist type of business insurance designed to protect professionals who advise on safety, risk management, and security systems. This type of cover helps safeguard your business against potential claims of negligence, property damage, or injury caused during your work.
With tailored policies available, you can choose the right level of security consulting insurance cover to suit you and your business. This could cover public liability, professional indemnity or cyber insurance.
Cover starting at
£5 a month*
*Price based on a security consultant requiring £1 million of public liability insurance.
Why do security consultants need insurance?
Security consultants work in high-stakes settings where their guidance has significant impact. If a client believes your recommendations led to financial loss or you failed to meet their security needs due to negligence, they may pursue legal action. Ensuring you have the appropriate level of insurance helps protect you from the cost of defending such claims and any compensation awarded.
What type of insurance do I need as a security consultant?
The type of insurance you need depends on how your business operates. Below are examples oh how each type of cover could prove invaluable:
- Security consultant professional indemnity insurance
Protects you if a client claims your advice or services caused them financial loss. For example, if a security plan fails and leads to a breach, this cover helps with legal costs and compensation. - Public liability insurance for consultants
Covers injury or property damage caused during your work. If a client trips over your equipment during a site visit, this insurance helps cover the claim. - Employers liability insurance
Legally required if you employ staff, this covers claims from employees who suffer illness or injury due to their work. - Cyber and data risks insurance
Essential if you store client data or use digital systems. It protects against data breaches, ransomware and other cyber threats. - Legal expenses insurance
Offers support for contract disputes, tax enquiries, and other legal issues that may arise in the course of your work.
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.
Do security consultants need public liability insurance?
Public liability insurance is a worthwhile consideration for security consultants. It covers claims made by third parties for injury or property damage caused during your work, whether you’re visiting a client site or hosting a meeting at your office.
For example, if a client trips over your equipment during a consultation and suffers an injury, they could make a claim against you. Public liability insurance helps cover legal fees and compensation, protecting your business from unexpected costs.
Do security consultants need professional indemnity insurance?
Professional indemnity insurance is a worthwhile consideration for security consultants. It protects you if a client alleges that your advice or services caused them financial loss, for instance, if a security system you recommended fails and leads to a break-in.
Despite your experience, skills and best intentions, mistakes can happen. Professional indemnity insurance can help to cover you against such claims, along with associated costs incurred as a result.
Tailor your security consultant insurance online with these covers
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Professional indemnity insurance
Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and any compensation or damages subsequently awarded against you. This is vital protection for security and alarm consultants, and insurance cover is available with limits ranging from £50,000 to £5m.
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Public and products liability insurance
Public and products liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you visit client premises, you may benefit from this cover. Limits range from £1m to £5m.
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Employer’s liability insurance
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If you have any employees, even part time, you need this cover. Cover for £10m.
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Legal expenses insurance
Commercial legal expenses insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Directors and officers insurance
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Office insurance
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
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Occupational personal accident insurance
Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14-day deferment period) due to an accident at work, or when travelling to and from work. In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out. You should consider this cover if you would struggle to maintain an income following an accident that left you unable to work. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).
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Cyber and data risks insurance
Cyber insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber-attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.
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 consultant insurance cost?
At Markel Direct, we offer security consulting insurance from £5 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 you’ll pay, simply get a quote online.
Ready to build your quote?
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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I need professional indemnity insurance to secure a contract - do you provide proof of cover?
Yes. If you purchase your policy with us, your documents are emailed to you instantly and include a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) which you can present to agencies and clients as proof of cover.
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Is my past work covered?
We cover past work if you have held professional indemnity insurance uninterrupted prior to arranging your policy with us.
If there was a period of time where you did not have professional indemnity insurance in force (for example, you have never arranged professional indemnity insurance before, you chose not to renew a previous policy or you cancelled a previous policy at the end of a contract) we are unable to cover past work.
If you require further clarification, don't hesitate to call us on 0800 640 6600.
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What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
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What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.
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Why should I choose Markel Direct's Insurance
Markel Direct has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
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How are Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
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