Security Insurance Solutions | Cliverton's Tailored Coverage for Protection

The following cover types are all included in this security policy.

Public liability – this provides cover for claims made arising from either the actions of you, your security dog, an employee or their dog (whilst working). It provides protection for injury caused to a third party or damage to their property. This applies to situations in which the damage or loss was due to your negligence.

The standard limit of indemnity is £2 million. This can be increased to either £5 million or £10 million for an additional premium.

Wrongful arrest – this provides cover for your legal liability for claims you may be required to pay to a third party. Specifically, this applies to situations in which you or an employee wrongfully detain a person against their will, or if you or an employee take them into custody.

Products liability – this will cover you in the event of claims caused by products you have supplied during the course of your business activities.

The limits of indemnity will match the public liability.

Please note this is NOT cover for retail sales where you sell any products.

Employers’ liability – where you have either paid, voluntary or self-employed helpers working under your direction, in connection with your business, it is a legal requirement that you have employers’ liability insurance.

This will provide cover in the event of them being injured whilst working for you. The amount of cover provided is £10 million.

This will cover you for damages and costs which you are legally liable to pay in respect of injury.

Breach of professional duty – provides cover against costs which arise in connection with the business from any breach of professional duty as a direct result of any negligence or omission.

Efficacy – this covers for loss or damage incurred by a third party arising from your (or an employee’s) failure to carry out contracted duties. This section of cover is not available for drug and explosive detection and dog and dog handler training.

Loss of keys – £75,000 of cover is provided for the cost of replacing clients’ keys and locks if they are lost or stolen when held by yourself or an employee.

Loss of use for your working dog – where you use a specialist dog for your business, we are able to provide you with a fixed sum benefit in the event that the dog becomes permanently unable to work. This extension will cover you if your dog:

dies as a result of an accident
is stolen
disappears and is not recovered
is permanently injured as a result of an accident

The maximum amount payable under this extension is £6,000 and is dependent on the age of the dog.

Should this extension be required, Cliverton will need from you a vet’s report or certificate to certify that the dog is healthy, free from injury or disease and is fit for duty. We will also require confirmation that the dog is microchipped, together with the microchip number.

Personal accident – by including personal accident cover under your policy, you will be provided with a weekly benefit of £200 payable for 104 weeks. This protects the insured party should they suffer an injury whilst carrying out your business activities.

This cover also includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.

We are also able to include employees should they sustain an accidental injury whilst working for you. Specifically, this applies to situations in which you or the business has not been negligent.

Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.

Fidelity – fidelity insurance provides cover for claims from your customers for loss of property. It applies if your employees commit fraud, theft or embezzlement whilst working for you.

The limit available per employee is £100,000.

Equipment cover – we are able to arrange cover for the following, where it is used in connection with your business:

Buildings (restrictions apply)
Contents
Stock
Portacabins (restrictions apply)
Tools of the trade
Mobile telephones
Computer equipment

Goods in transit – this section provides cover for damage to property belonging to you (or the business) or held in trust for which you are responsible, whilst it is in transit within the United Kingdom.

The limit of indemnity for this is £3,000.

Loss of money – provides your business with up to £10,000 coverage for the loss of money that belongs to your business or for which you are responsible. It also includes benefits for bodily injuries sustained by you or your employees due to robbery or attempted robbery that occurs during the course of business operations.

Business interruption – provides cover for loss of income following interruption or interference with the business resulting from damage to the property from which you work.

Cash carrying – this will provide cover for your customers’ cash which is being carried by either yourself or an employee.

Vehicle immobilisation – provides cover for any loss or damage caused by the immobilisation of third party vehicles.

Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.

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