Security companies exist to protect life, health and property of their clients. Sometimes these functions are carried out using the toughest methods. Unfortunately, occasionally innocent people suffer. For such situations you need a guardians’ liability insurance policy.
Our policy covers the following risks:
Damage caused to life and health of third parties as a result of neutralization of persons committing intended unlawful acts and incidental injuries caused by casual handling of weapons and special devices;
Damage caused to third parties’ property interests as a result of (unintended) damage (destruction) of their property by the Insured person’s activities to prevent the intrusion to the guarded territory or neutralize criminals or as a result of guardians and detectives’ activities;
Unintended disclosure of client’s confidential information or trade secret that became known to you in the course of prevention of unauthorized access by intrusion to the guarded territory or use of technical devices.
Insurance compensation includes:
Damage caused to third parties’ life and health;
Damage caused to the clients property interests including as a result of disclosure of confidential information;
Expenses associated with the preliminary establishment of insurance events’ circumstances and the extent of the Insured person’s guilt, as well as extrajudicial protection of the Insured person’s interests in the event of such claims being filed against him including expenses for experts’ services;
Costs associated with the court and legal proceedings on the presumptive insurance events, including lawyer’s fees.
Insurance terms:
The insurance compensation can be paid both upon the court ruling and before court proceedings as agreed by the parties.
Ingosstrakh Insurance Company represents your interests throughout the claim examination process. Legal defense can be provided either by Ingosstrakh lawyers or independent lawyers, whose services are also paid by Ingosstrakh.
Concluding an insurance agreement with Ingosstrakh you determine the limit of liability - the maximum insurance compensation amount to be paid by Ingosstrakh in insurance events. If you are not sure as to which limit to choose our specialists will give you recommendations.
The average insurance premium amounts to 0.4% - 1.5% of the selected liability limit and depends on such factors as the number of employees of the security guardian company, type of guardian activity, complaints against the company services, etc.
Our Contacts
If you have any questions or need additional information, please contact:
Financial and professional risks insurance department
