"Your service is security," says Mary MacLaren of our Toronto office. "A faulty installation or an interruption in service can jeopardize the very property which your service is expected to protect. That's why you need to buy the very best liability insurance protection you can find, at a premium you can afford."

Our custom-designed policy wording has been developed to respond to the special needs of the security and protection industry. Cover includes the "failure to perform" risk, which most other carriers just can't cover.

We've been handling this class of business for over 20 years – longer than anyone else in the business.

Our programme reaches a wide range of security professionals, including:

• Security guards



• Specialty guard services, canine patrols and armed officers



• Burglar alarm installers



• Alarm central stations



• Sprinkler and fire protection equipment installers



• Private investigators



• Armoured car services



• Locksmiths



• Bailiffs



• Telephone answering and paging services



• Cellular phone, industrial radio and communication equipment — manufacture, sales and service



• Security equipment, including CCTV, intercom and access control systems, including export sales



• Life and industrial safety equipment — manufacture, sales and service



• Medical equipment, including medical gases, emergency, life-support equipment and supplies

• Occurrence form



• Bodily injury



• Personal injury including false arrest, invasion of privacy, wrongful imprisonment, libel, slander and discrimination



• Property damage including loss of property by theft or other causes, actual physical damage and loss of use



• Policy contains no failure to perform exclusion



• Defence expenses in addition to policy limit



• Pollution cover — hostile fire and 120 hour reporting form (IBC 2313)



• Cover for intentional injury in defence of property or persons



• Broad-form care, custody and control exclusion — does not apply to property being protected



• Non-owned automobile cover, including damage to non-owned autos being operated or moved by you (see below)



• Attached machinery on automobiles



• Watercraft up to 8 metres in length



• Malpractice cover for liability from emergency first aid treatment



• Lost key cover (see below)



• Fire extinguishing gas replacement cover — accidental discharge of halon or halon substitute (see below)



• Contingent employers liability



• Tenants legal liability — all risks cover



• Employee benefit liability cover



• Blanket written contractual liability cover



• Your directors, officers and employees included as insureds



• Automatic 30-day cover for newly acquired companies



• Advertising liability cover



• Policy territory includes premises and operations in Canada and the U.S. We also cover product sales anywhere in the world provided lawsuits are brought in Canada or the U.S.



• Cross liability and severability of interests



• Misinterpretation of dates exclusion

Of course, cover also applies to losses you may sustain directly as a result of employee dishonesty.

Employee dishonesty cover is not legal liability coverage. If the loss of property is attributable to your employee, the policy will pay regardless of legal liability. Your customer may recover his loss under the policy as if he were you. Employee dishonesty cover is a valuable sales tool and an excellent way to defuse a very difficult situation.

A standard sub-limit of $25,000 per loss (Form A) applies and higher limits are available on request.

If master-keys assigned to the guard are lost or mislaid, the security to the entire building may be compromised. It may be necessary to re-cut the keys or in some cases to re-tool all the locks in the building.

Rather than quarrel about who is responsible for this expense, this feature of our policy picks up the expense on a "no-hassle" basis.

This feature of our policy applies both to security guards and any others whose service requires them to have custody of customers' keys. A standard sub-limit of $25,000 applies and higher limits are available on request.

Again, rather than quarrel about who is responsible for the cost of recharging, this feature of our policy picks up the cover on a "no-hassle" basis. A standard sub-limit of $25,000 applies, and higher limits are available upon request.

The coverage is particularly important for security guards or others who are required to operate or move automobiles belonging to others whilst protecting clients premises. Cover includes your liability for any injury or harm caused whilst operating the automobile is insured, and collision damage to the automobile on an all-risks basis.

Smaller companies may opt out from the workers' compensation plan but must make alternative arrangements to avoid lawsuits from injured workers. We recommend an employers liability extension to your CGL policy to fill in this important protection.

The standard CGL policy provides very reduced cover for work on or around waste management sites. Consider very carefully the risks of handling such work without suitable insurance.

Your broker may recommend a separate specialty policy to protect you for work on or near waste sites.

Environmental legislation in most provinces imposes very strict requirements for reporting spills or other escapes of pollutants. You need not be the owner of the pollutants to be held responsible for their escape. The penalties for failing to report a spill can be very high.

Make sure that your staff are aware of the simple steps they can take to protect you and your clients from prosecution under environmental regulations.

• Para-legal errors & omissions (E&O) extension for private investigators to include registration of, and service of legal of court documents. Policy sub-limit applies



• Medical payments coverage subject to limit $2,500 per person, $25,000 per occurrence



• Limits up to $10 million on a blanket or individual project basis



• Umbrella liability cover including excess automobile liability cover up to $25 million



• Flexible deductible or self-insured retention plans



• Employer's liability insurance



• Crime coverage including outside hold-up



• Property cover including office contents, tools floater and miscellaneous equipment floater



• License and miscellaneous bonds

The information in this web-site is intended to be general in nature and should not be construed as specific recommendations, nor as a substitute for the advice of a professional insurance broker who is familiar with a clients particular exposures or circumstances.

The coverage summary should not to be construed as an insurance policy or the interpretation of an insurance policy.

Our package programme for CANASA members includes liability and property covers and attracts special rates. The programme is available to CANASA members across the country through local brokers. (Sorry, CANASA programme is not available in B.C.)

Because of the highly specialized nature of our coverage please report any claims, actions or suits directly to the nearest office of Underwriters Adjustment Bureau as soon as possible.

The reporting condition of the policy requires that you report to the insurer any incidents which might give rise to a claim, even though no such claim has yet been received.

Liability claims for this class of business may often follow months or years after the event itself. Failure to report an incident promptly may jeopardize the insurers investigation and defence of a subsequent legal action. To avoid the risk that individual losses may be denied as a result of late reporting, we would encourage you to report all such incidents promptly.