How Security, Cleaning & Facilities Management Companies Can Reduce Liability Claims

Claims frequencies are rising rapidly, and this trend is becoming even more pronounced in the current economic climate. Across the Security, Cleaning and Facilities Management sectors, we are seeing a noticeable increase in liability claims being brought against companies.

Insurers will do all they can to successfully defend a lot of these claims by proving there was no negligence by our clients, which is really important. If they didn’t defend it as proactively, everyone in the industry would see huge increases in premiums and fewer markets willing to offer cover altogether.

Why Specialist Support From Your Broker Matters

Having a broker who genuinely understands your sector is critical. At BJP, our Security Team is deeply connected to the industry. We work closely with NASDU, the SIA and IPSA, and Steve and Simon sit on the Committee Board for the British Standards Authority (BSI). This involvement ensures we stay ahead of emerging risks, regulatory changes and operational challenges, so we can support you with advice that’s relevant, practical and aligned with the realities of your work.

Essential Tips to Protect Your Business From Liability Claims

When incidents happen, the way you respond can make a significant difference to the outcome of any potential claim. Taking the right steps early helps protect your business, supports your insurers and strengthens your defence. The following tips outline the key actions every Security, Cleaning and facilities management company should follow.

  • Gather evidence immediately: Take statements from everyone involved, including third‑party witnesses. Capture photos or videos of anything that could support your defence. Strong evidence collected early significantly improves your chances of challenging a claim.
  • Never accept liability following any incident at work: Even a casual admission of fault can invalidate your insurance and leave you personally responsible for the costs. Stick to the facts and let your insurer determine liability.
  • Make use of CCTV and bodycams: Secure copies of any relevant CCTV or bodycam footage as soon as possible. Clear video evidence is one of the most effective tools for defending allegations against you or your staff.
  • Document all client discussions: If you recommend additional staff or resources and the client declines, record it. Ask clients to confirm in writing or sign a contract acknowledging they declined your professional advice.
  • Understand your policy conditions: Make sure you know what your insurance requires from you. Read your policy wording and check that you’re meeting all conditions. If anything is unclear, ask your broker to explain it.
  • Report incidents to insurers immediately: Notify your insurer as soon as an incident occurs or if you receive any complaint or correspondence from a third party. Late notification can invalidate your cover and leave you unprotected.

We’re Here to Support Your Business

Protecting your business starts with the right advice. For support with insurance, claims or risk management, get in touch with our Security Team today. Call 01189 792121 and speak to Steve, Simon or Antony, or email [email protected]