Who needs Burglar Alarm Installer Insurance?
Any business that is involved in the provision and fitting of alarm systems can benefit from having a specialist policy designed to suit their exact requirements.
What cover is included on an alarm installer insurance policy?
The type of covers that can be included on an alarm installer insurance policy vary greatly. You’ll almost certainly require public liability insurance and, where you have installers working for you, even on a part time basis, employers liability insurance. These protect the business in the event that a member of the public or an employee claims to have suffered a loss, illness or injury as a result of your business activity.
You will no doubt advise clients on their alarm requirements before undertaking an installation. Because you are effectively offering professional advice in this capacity, you may need to consider Professional Indemnity Insurance, too. This can offer protection in the event that a client claims that they have suffered as a result of poor advice that has led to a loss.
It’s possible that you install a range of equipment – ranging from fire and intruder alarms, sprinkler equipment, locks, safes and security grills and shutters. Where you supply the equipment that you are installing, you should consider Product Liability Insurance. This covers you in the event that a customer claims that equipment that you’ve designed, sold or supplied has led to personal injury or property damage.
All of these types of cover can protect you from any legal fees incurred in defending a claim (whether proven or not) as well as any compensation payout that results.