Alarm installer insurance

What do alarm installers do?

Whether you’re working on a residential or a commercial property, the work of an alarm installer is vital. Homeowners and business rely on their alarm systems to alert them to fires, break ins, theft, and vandalism. That’s where you come in.

Alarm installers are responsible for installing security systems and equipment. You’ll also occasionally be tasked with testing alarm systems to identify faults and fix them as well as demonstrating for your customers how to use their systems properly.

What is business insurance for alarm, security & CCTV installers?

All businesses need insurance, and alarm installers are no different. You encounter members of the public every day, and you carry out work on your customers’ property – this means you need to be covered in case anything happens on your watch.

With AXA business insurance you can build an insurance package that is right for your business, encompassing the covers that are best suited to you. This could include covers such as public liability, employers’ liability, tools, and van insurance.

Why does an alarm installer need business insurance?

You keep people safe and their homes and premises secure. Whether you’re installing home alarms or shop CCTV systems, the work you do helps people protect their precious things and keeps their minds at ease.

There are several situations where having business insurance could save you from a lot of trouble if someone were to make a claim against. Here are just a few examples of times business insurance could benefit your business.

• You install a system incorrectly and its failure to work properly causes a client to be broken into – in this case you’ll be covered for the consequences of the break in
• You accidentally drop a tool from a height during security installation, causing an injury to someone below or damage to the property
• A client trips over your tools or a wire causing them to get hurt
• An employee trips or fall during an installation and suffers and injury
• Your tool kit is stolen from your van while you were parked at customer’s home or business for a job

Without insurance, you risk being liable to cover the cost of a claim or to replace your equipment. This could lead to loss of work and unhappy customers which could have a knock-on effect on your reputation. Don’t risk it – invest in business insurance today so you’ve got peace of mine that if the worst should happen, we’ve got your back.

What type of insurance can I get for my alarm installation company?

Choose from the below covers and design the insurance to fit your business.

Can I insure my tools?

You can insure your tools if you need to. Choose from the two covers below:

Own plant tools and equipment

Protection in case of accidental loss, theft or damage to tools or equipment that you own and work with. We’ll help you protect tools and stock as well as machinery, trailers or caravans.

Hired in tools and plant insurance

Working with hired or rented tools? We’ll help you keep them covered if they’re damaged, accidentally lost or stolen whilst in your care.

Yes, as an optional extra, you can add workshop cover to your alarm installers' insurance policy. This covers the contents including tools, machinery, stock, and computer equipment at your premises. You can set a cover level tailored to your workshop’s value.

Do I need insurance for my employees?

If you have staff (that includes temporary staff, contractors, and volunteers) then you’re legally required to have employers’ liability insurance. It’ll keep them covered in case of illness or injury caused to them as a result of working for you – and help you manage any compensation or claims costs.

How much does alarm installation cost?

Every business is unique which is why we offer tailored cover – so that all our businesses get the protection the need at a price that fits them. There are a few different factors that can effect how much you’ll pay, such as:

• They type of work you carry out
• The area where you work
• The number of employees you have
• What tools you need to cover

Our customers pay from £82 a year* for AXA Business Insurance.

The quickest way to find out your price? Get a quote online - and you’ll get a 10%** discount for buying online.

What’s covered by business insurance for security alarm installers?

There are many different types of alarms and security products that can be installed both for residential and commercial clients, from entry alarms & fire alarms to CCTV and safes.

Our business insurance can protect you for various things such as:

• Damage to a customers’ property, or accidental injury suffered by anyone as a result of your work

• The repercussion of an alarm installed incorrectly

• Lost or stolen tools

• Damage or theft of your work van while on the job

• Cover for anyone working for your as an employee, including full or part-time workers, volunteers, or apprentices

*10% of our customers paid this or less between July and September 2024. 

**This discount is applied automatically and lasts for the lifetime of your policy.