What insurance to practice in private security?
Have you created a private security / guarding company and are wondering about insurance? What are your specific needs related to your activity? What are the main risks for security guards and managers of these companies? When do you become responsible? Our answers in this article.
Summary
What is the price of private security insurance?
How does private security professional civil liability insurance work?
What are the guarantees for professional civil security guarding insurance?
Security guard or security company manager, what other insurance policies can you think of?
What is the price of private security insurance?
The price of a private security liability insurance depends on many elements:
the activities of the security company: guarding, installation of alarms, training in security professions, intervention in the event of an intrusion, fire safety, or remote monitoring.
the company's turnover;
the options subscribed: example weapon port;
the geographic area of the head office;
Our partner Coover offers you a contract that meets the requirements of the National Council for Private Security Activities (CNAPS) from € 802 per year. You will also be able to obtain a provisional RCP security certificate free of charge, which will be used for submitting the file.
Very few insurers on the market offer professional civil insurance for the security professions. The use of a broker is therefore strongly recommended.
How does private security professional civil liability insurance work?
Security professions are one of the regulated professions, therefore professional civil insurance is compulsory to obtain your professional card and will be requested for your CNAPS approval file.
RCP security protects you in the event of material, immaterial and bodily damage caused to a third party during your professional activity.
Private security professions are inherently very risky. Here are some examples of claims:
the alarm you installed is faulty and the customer where you installed it is broken into;
during an intervention, you injure an individual who asks you for damages for moral and physical damage;
you lose confidential documents that fall into the wrong hands.
Thanks to this coverage, in the event of a claim, it is the insurer (and not you) who will compensate the victim of the claim.
What are the guarantees for professional civil security guarding insurance?
Private security insurance contracts contain specific guarantees which are either included in the basic basis or as an option.
Professional civil liability private security
Main risks
Injury to a third party during an intervention
Probability
High
Comments
This guarantee is obligatory
RC Operation
Main risks
Accidental damage to a customer's material or equipment
Probability
High
Comments
The operating liability is a more general guarantee that covers general damage related to the life of the company
Weapons door extension
Main risks
Third party injury
Probability
Medium
Comments
The weapon will have to be declared in the contract.
Defense and appeals
Main risks
You are ordered to pay legal costs
Probability
Weak
Comments
Rarely used but very useful because of the amounts involved in the event of a procedure
Juridic protection
Main risks
Dispute with a client that you must resolve with the help of lawyers or experts
Probability
Medium
Comments
Optional warranty available
Depending on your security profession (security guard, bodyguard, screening operator, fire safety agent, alarm installer, money carrier, private investigator, etc.), the contract will have to be adapted. To this end, you can therefore adjust the guarantees, deductibles and options.
If you are employed by a security company, you will be covered by your employer's contract. Make sure, however, that he declares to his insurer.
Security guard or security company manager, what other insurance policies can you think of?
Mutual occupational health
Status
Optional
Remark
Supplements Social Security reimbursements. Contributions are deductible from your income (Madelin law).
Rate
from € 20 per month for a single person and from € 35 per month for a duo mutual
Collective health mutual
Status
Obligatory
Remark
From the first employee you must set up a mutual insurance contract.
Rate
from 18 € per month per employee
Professional multi-risk security company
Status
Often required
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