SECURITY COMPANIES & DOORMAN

Brunsdon Westinsure have an arrangement with a leading provider and are able to offer competitive rates and cover for companies involved in the installation and maintenance of security equipment and those who provide security for business premises, licensed premises and concerts/events.

We are able to provide the following covers:

For a competitive quotation please contact us on 01793 536851 or e-mail us at enquiries@brunsdonwestinsure.com and we will arrange to contact you at a convenient time.

DESCRIPTION OF POLICY SECTIONS

This section is designed to give you an introduction to the covers provided by this type of policy and is not intended to be representative of the terms/conditions offered by any particular insurer. Please contact Brunsdon Westinsure Ltd before deciding which covers you require.

Public Liability
This section provides indemnity in respect of accidental bodily injuries to any person (other than an employee) and/or damage to property arising during the course of business. The limit of indemnity under the policy is in respect of any one occurrence or series of occurrences arising out of any one original cause.

Products Liability
This 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 manufacture 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, CCTV’s, door entry systems or any other security equipment. The limit of indemnity for products liability is in respect of any one occurrence and all occurrences during any one period of insurance.

Employers Liability
By Law, all Employers must insure against their legal liability for injury, disease or death to employees arising from their employment.

Employees will normally include, in addition to those under a contract of employment, apprentices and other trainees and those hired from another company. The only exception to this rule is where your employees are close relatives. If you think that this exception may apply to you then you will need to contact an Employment Law solicitor for confirmation.

You are legally required to insure for at least £5million but in practice most policies offer £10million cover. The Law also requires that you display a Certificate of Employers Liability Insurance at each place of work. Failure to meet this requirement could constitute a criminal offence.

Efficacy & Contractual Liability
This insurance provides indemnity for all legal liability in respect of accidental bodily injury to any person (other than any employee) and/or loss or damage to property arising out of the failure to carry out the duties which you have contracted to perform, including deliberate acts, wilful default or neglect by your company, your employees or servants. This section will not provide indemnity for any claim resulting from fraud, dishonesty or embezzlement as this needs to be covered under the Fidelity Guarantee Section. The limit of indemnity provided is in respect of any one occurrence or series of occurrences arising out of any one original cause.

Products Efficacy Liability Including Wrongful Advice
This insurance applies in respect of bodily injury to any person (other than an employee) and/or loss or damage to property caused by or arising from the failure of any product supplied to fulfil it’s intended function arising out of negligence or wilful default or arising from wrongful advice. This insurance would therefore be recommended to organisation's involved in the manufacture, sale, supply, installation or servicing intruder alarms, fire alarms, CCTV’s, door entry systems or any 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. The limit of indemnity is in respect of any one occurrence and all occurrences during any one period of insurance.

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 customers’ telephone and you are held responsible.

Money
Indemnity will be provided to your company and/or your customers for loss of money belonging to your customers. The insurance will commenced from the time your company accepts responsibility for each consignment of money and will cease upon acceptance by the customer or any other consignee.

Wrongful Arrest
Under this section, cover is provided for all sums for 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
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.

Consequential Loss Following Loss of Keys
The insurance also grants indemnity against all sums payable in respect of consequential loss arising out of the loss of keys.

Personal Accident
In addition to the legal liability under the Employers Liability Section, you may wish to effect cover for personal accident which can be arranged either on a full 24 hour basis or restricted to accidents occurring during business hours including traveling to and from the place of work.