Security Fire Protection Insurance Policy

Security & Fire Protection Insurance Policy

Security & Fire Protection Insurance Policy

Security and Fire Protection Insurance Policy is purchased annually unless stated otherwise in the insurance renewal documentation and maybe renewed annually, subject to terms and conditions applicable.  The insurance renewal documentation provides a summary of the main benefits, terms & conditions for the Security and Fire Protection Insurance Policy. 


Generally the policy is divided into various sections and all sections would necessarily be included as part of the Security and Fire Protection Insurance.  The customer would need to check the renewal documentation to find out what is covered by looking at the relevant sections:-


  • Employers’ Liability Professional Indemnity
  • Public and Products (including any Inefficacy)
  • Liability Terrorism
  • Commercial Property All Risks Legal Expenses
  • Business Interruption All Risks Directors and Officers Liability
  • Contract Works Fidelity Guarantee

We are able to insure most companies operating in installing, supplying, testing, designing, manufacturing or products


We can provide cover for companies operating at height, using heat away or working in high risk environments or overseas.

We can insure companies or industries who operate in:

  • Doormen
  • Sprinkler companies
  • Security systems such as CCTV, Access Control, Intruder & Fire alarm installers
  • Central Station
  • Stewards
  • Warden Call & Nurse
  • Car Park Management
  • Emergency Lighting
  • Locks, Grilles and Safes
  • Alarm System for Vehicles
  • Portable & fixed Extinguisher Installers & Servicers
  • Sprinkler companies
  • Security Guarding & key holding
  • Locks, safes & grilles
  • Car Park management
  • Passive fire protection including intumescent products & spraying


Factors need to be taken into account that affects premium rates are:

  • Number of years trading
  • Claims experience
  • Type of work done & areas worked with
  • Discounts given for trade association memberships & quality assurance standards.


Types of cover available:

  • Contract Workers
  • Employers Liability
  • Public & Products Liability (including inefficacy “failure to perform”)
  • Professional Indemnity
  • Commercial Property All Risks
  • Business Interruption All Risks
  • Property Terrorism cover
  • Directors & Officers Liability
  • Legal Expenses
  • Fidelity Guarantee

What are the benefits of taking cover through Arkwright Insurance Brokers:

  • Terrorism cover on PL/Prods/Inefficacy
  • Accidental Exposure to asbestos
  • Criminal & deliberate acts (crucially important for doormen & security guards)
  • Any wrongful arrest cover to the full PL limit (with no excess either)
  • Cover for inefficacy to the PL limit (unless otherwise stated)
  • Damage to that part worked on for alarm, extinguishing or security services (this provides cover for damage to carpets being lifted for example)
  • Bodily injury arising from consultant & training (specifically for physical intervention training)
  • £250 third party property excess (increased in certain scenarios)
  • Optional Fidelity Bonding Extension (not restricted to legal liability & includes misuse of phones)
  • Optional Loss/Consequential Loss of Keys Extension (legal liability for consequences of lost keys paid under PL & thus to the full PL limit)
  • Optional Loss of Gas Extension (for extinguisher & fire companies to cover loss of gas in systems being worked on)
  • Optional Service Indemnity Extension (to cover motor vehicles in custody)
  • Free Professional Indemnity section £100,000 limit
  • Free Directors & Officers section £100,000 limit