by jqm | Jun 26, 2025 | Security Company Insurance
In 2025, the security industry in the UK is facing more complex risks than ever before. From manned guarding and keyholding to event security and mobile patrols, companies need tailored insurance solutions that reflect the challenges of a fast-evolving sector.
One of the most critical covers remains public liability insurance, protecting businesses if a third party is injured or property is damaged during security operations. Employers’ liability insurance is legally required if you employ staff, covering compensation claims from employees due to injury or illness sustained while working.
A growing focus in 2025 is on inefficacy insurance. This specialist cover protects businesses if a guard or steward fails to prevent a loss, such as theft or damage, even while performing their role correctly. With legal claims on the rise, inefficacy cover offers vital financial protection.
Technology is increasingly used in the security sector, such as CCTV systems, access control, and monitoring software. This means cyber insurance is now a key consideration, protecting against data breaches, hacking, and loss of sensitive client information.
Security companies offering mobile patrols or alarm response services must also ensure they have appropriate motor fleet or vehicle insurance, along with cover for specialist equipment and tools.
Many security businesses rely on subcontractors or casual workers. Your insurance policy should reflect this, ensuring all staff—temporary or permanent—are covered correctly.
Professional indemnity insurance is also valuable, especially if your business offers consultancy, risk assessments, or advice. This protects against claims of professional negligence or error.
With the rise in complex liabilities, using an experienced insurance broker who understands the UK security industry is more important than ever. They can help ensure your business is fully protected, compliant with regulations, and ready for the future.
For expert advice contact Oliver on 07973 876539
by jqm | Oct 29, 2019 | Business Insurance, Business Insurance Blog, Business Insurance UK, Business Liability Insurance, Cyber Liability Insurance, Security Company Insurance
According to the UK Government, last year, over 30% of businesses and 22% of charities experienced a cyber-attack or IT-related security breach. This figure has increased year-on-year for the last four years. Some experts estimate each incident costs companies approximately £27,000 to recover. With this in mind, cyber liability insurance becomes essential.
What is a cyber-attack?
The press often focusses on large-scale breaches, such as the NHS ransomware attack of 2017. However, many cyber-attacks are smaller in scale, though they can be just as disruptive to businesses. They include:
- Phishing emails aimed at gaining access to systems by encouraging staff to click on links embedded within them.
- Attackers impersonating their company in order to attack customers and clients.
- Viruses and malware, including ransomware, which can steal data or shut down systems.
Given how many businesses rely on IT to carry out their day-to-day operations, it is vital, therefore, they are protected. This includes having the right IT systems in place to keep their, and their clients and customer data, safe and insurance for if they are attacked.
What does cyber liability insurance cover?
As with all insurance, cyber liability insurance covers different things depending on the level a business chooses. However, for fully comprehensive cover, it should include financial cover for handling:
- Data breaches
- Compensation claims
- Losses and interruptions
- The aftermath and impact of a cyber-attack
- Hardware and system repair and replacement
Ideally, it should also include forensic investigation and specialist IT support.
Buying cyber liability insurance
Companies should opt for comprehensive insurance wherever possible to ensure they are covered for all eventualities. The best way to find this is through an independent insurance broker such as Just Quote Me, who can find you the best policy for the best price. Contact them today on 0800 084 2325 for a free, no obligation, cyber liability insurance quote.
