Covers typically included in a security dog handler insurance policy
Public Liability Insurance
Imagine you are working at a retail outlet and were required to remove a third party from the premises and they were injured, public liability insurance will cover the compensation payments as well as any legal expenses. This would include the use of the Security Dog.
Employers Liability Insurance for security dog handlers
This Insurance is required by law and provides cover for Legal Liability in respect of death, bodily injury or disease to any employee which may arise during the course of his or her employment.
This add-on covers you for the incorrect detainment of third parties. For example, you hold someone as you suspect they have stolen from a shop you provide retail security to. If it’s found the third party did in fact not steal anything or there is not enough evidence to support it, they could claim for their wrongful arrest. These claims can become very high and should be something that is included in all security specific policies. Under this Section, cover is provided for all sums which your company may be legally liable to pay as damages in respect of Wrongful Arrest committed or alleged to have been committed by you, your company or any person employed by you or on your behalf.
Efficacy / Inefficacy and Contractual Liability
This is a really important add-on and covers the failure to perform/failure to secure/failure to detect etc. This is essentially covering you if you fail to carry out your contractual obligations. This Insurance will grant indemnity for your Legal Liability in respect of bodily injury to any person (other than an employee) and/or loss or damage to property arising out of failure to carry out the duties which you have contracted to perform, including the deliberate acts, wilful default or neglect by your company or your employees or servants. This Section will not provide indemnity for any claim resulting from fraud, dishonesty or embezzlement – this needs to be covered under the Fidelity Guarantee Insurance.
Loss of Keys/Consequential Loss following Loss of Keys
This extension covers you for the costs to replace lost or stolen keys you hold for your clients or the costs to replace locks. The add-on also extends to include any consequential losses your clients may suffer if the keys are lost or stolen. Limits vary between insurers, but it is an important thing to include if you hold keys for customers.
Financial Loss (Including Products)
Indemnifies a company subject to legal liability for financial loss (not in respect of, or as a consequence of bodily injury or damage to property) incurred by others, for claims made against the company during the period of insurance.
This extension covers theft and dishonesty by employees against third parties. For example, if a guard you supply orchestrates a theft from a site you are securing, this would fall against your insurance. This extension offer various limits between insurers, but does give you that extra protection against rogue employees and/or contractors. This extension also includes misuse of phones/internet, if, for example, a guard uses the site’s phone to make international calls.
Professional Indemnity Insurance
This section offers protection for you against any advice or design input you give that causes a person or company to sustain a loss.
Office Insurance and/or Working from home
Office cover can be provided for your office contents, stock, computers and laptops. It can be extended to cover the financial loss from interruption to your business.
Bespoke Security Legal Expenses
Legal Expenses cover protects you and your business for various potential legal issues including:-
- Criminal Prosecution
- Contract Disputes
- Employment Disputes
- Tax and VAT Protection
- Property Disputes
- Statuary License Protection
- Personal Injury Protection
Directors & Officers Liability Insurance
Imagine you find yourself being personally sued as a result of company business. Your Static Guard directors and officers liability insurance policy will pay the legal defence costs involved in defending any action made against you or any compensation awards.