SIA-licensed door work where injury from deliberate acts – restraint, removal, detention – is the defining risk most standard policies exclude.
In door supervision, the wording is the product. The cheapest PL policy that excludes deliberate acts is worth nothing on the first contested ejection. Individuals: buy specialist PL with wrongful-arrest cover, and add personal accident – you are your income. Firms: get EL right including labour-only subcontractors, carry £5m/£10m if you ever want public-sector or large-venue contracts, and insist on inefficacy cover. And keep every incident report – in this trade, documentation is half your defence.