Find cover written for security work

SIA-Licensed Guards & Guarding Firms

Restraint, detention, wrongful-arrest allegations — standard liability policies aren’t written for this trade. Six questions to find insurers whose wordings are.

Answer the questions below; each option points toward the providers whose cover fits that answer. Your closest matches are the providers your answers point to most often.

Question 1: Who needs the cover?

Just me — self-employed guard
Points to: Simply Business (+3), QuoteRack (+1)
A small guarding firm
Points to: Just Quote Me (+3), Citynet (+2)
An established security company
Points to: Citynet (+3), Camberford (via your broker) (+3)

Question 2: What sites do you mostly guard?

Corporate, retail or static sites
Points to: Simply Business (+1), Camberford (via your broker) (+1)
Licensed premises / nightlife
Points to: Citynet (+2), Camberford (via your broker) (+1)
Construction sites
Points to: Camberford (via your broker) (+2), Just Quote Me (+1)
Events and crowds
Points to: Just Quote Me (+3)

Question 3: Do contracts specify minimum limits?

Yes — £5m PL / £10m EL
Points to: Just Quote Me (+3), Citynet (+2)
No / not sure
Points to: Simply Business (+1), QuoteRack (+1)

Question 4: Staff or subcontractors?

Labour-only subs count as employees — employers’ liability is a legal requirement

Yes
Points to: Just Quote Me (+2), Citynet (+2), Camberford (via your broker) (+1)
Just me
Points to: Simply Business (+2)

Question 5: Beyond public liability, what do you need?

Inefficacy cover and PI — Cover for failing to deliver the contracted service — e.g. losses at a site you were guarding
Points to: Citynet (+3), Camberford (via your broker) (+2)
Deliberate-acts and wrongful-arrest cover — Essential for any hands-on work — verify it’s in the wording
Points to: Citynet (+2), Just Quote Me (+2)
Just solid public liability
Points to: Simply Business (+2), QuoteRack (+1)

Question 6: How do you want to buy?

Online, instantly
Points to: Simply Business (+2), QuoteRack (+1)
Through a specialist broker
Points to: Citynet (+2), Camberford (via your broker) (+2), Just Quote Me (+1)

Providers in this tool

Simply Business

The quick online route for self-employed guards — public liability £1m–£5m from £12.19/month, 2,700 guards covered, and published claims data (average claim £18,123).

https://www.simplybusiness.co.uk/business-insurance/security-guard-insurance/

Just Quote Me

Automatic £5m public/products and £10m employers’ liability — the limits councils and large contracts actually demand.

https://justquoteme.co.uk/security-insurance/

Citynet

Long-running combined liability scheme (Coversecure/XL Catlin) with inefficacy cover, deliberate-acts cover and PI at £1m–£2m.

https://citynet.co.uk/schemes/security-liability-scheme/

Camberford (via your broker)

30-year specialist underwriting scheme; manned guarding from £500 + IPT minimum premium, properly rated by site type.

https://www.camberford.com/products/manned-guard-door-supervisors-insurance/

QuoteRack

Routes SIA-licensed individuals and firms to specialist security insurers for benchmarking.

https://www.quoterack.co.uk/business-insurance/door-supervisors-security-guard-insurance/

This tool gives a guide match based on typical product features, not financial advice. Cover details, prices and review scores change — always read the policy wording and compare at least two quotes before buying. Information last checked June 2026. Whatever you buy, confirm the wording covers injury from deliberate acts (restraint, removal) and wrongful arrest — without these, a policy is not fit for security work.