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- info@qlu.co.za
Contact Us
We aim to provide growth and structured processes that facilitate the success of our business partners, while retaining their individuality, unique skills, and innovation. Talk to us to find out how we can help your business thrive.
- Address:
Irene Link Precinct, 7 Impala Avenue, Centurion, 0157
- Contact Number:
086 144 4462
- Email:
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FAQ's
Any company involved in providing security services, such as:
- Patrols or warden services
- Armed response and monitoring
- Controlling who enters and exits a site (access control)
- Escorting goods or money
- Security at events or for VIPs
- Installing security systems
- Anti-poaching operations
- Farm patrols or watch services
- Medical response and ambulance services
- Security consulting or training
If you offer any of these services, this insurance is essential to protect your business from risks.
Your business must be registered with the Private Security Industry Regulatory Authority (PSIRA) to qualify.
It works on a claims-made basis, meaning it covers claims first made during the insurance period, as long as the incident occurred on or after the Retroactive Date.
This date sets the start point for when incidents are covered. Claims for incidents that happened before this date won’t be covered. Usually, the Retroactive Date is when you first bought a similar claims-made policy and renewed it without gaps.
If the policy ends, it won’t cover any new claims, even if the incident occurred while the policy was active.
The standard limit is up to R10 million per year, but higher limits can be arranged (up to R50 million), subject to approval.
Per Claim: The maximum amount paid out for one specific claim or related claims.
Aggregate: The total amount paid out for all claims during the policy period, usually one year.
This policy works on an aggregate basis, meaning the total payout for all claims in a year won’t exceed the limit.
This is the portion of a claim that you need to pay before the insurer covers the rest. Think of it as your share of the risk.
General Public Liability: Covers accidents or damages related to running your business, like property damage or injury, excluding anything related to security work or pollution.
Professional Indemnity: Covers mistakes made while offering professional advice, like training or consulting.
Security Liability: Covers incidents like injuries, property damage, or wrongful arrests caused during active security duties.
We include some options automatically and offer others as add-ons, such as:
- Statutory defense costs
- Defamation claims
- Negligent advice claims
- Optional Add-Ons:
- Employer’s liability (for employee injuries)
- Firearms liability (accidents involving guns)
- Theft by security staff (fidelity risk)
- Money-in-transit coverage
- Special event security coverage
- Crowd control or protest management
- Medical response services
Yes! Theft by security personnel is covered under the Fidelity Risk Extension, and incidents involving firearms can be covered under the Firearm Extension.
You should report a claim as soon as:
- You receive any formal notification, like a letter or summons, from someone making a claim.
- You become aware of an incident that might lead to a claim, even if no formal complaint has been made.
- Waiting too long to report can impact your coverage.
Policy Scenarios
Scenario:
A guard falls asleep during a shift, allowing a crime to occur that could have been prevented if they were awake.
Outcome:
Not Covered: The policy covers actions or omissions by guards while on duty, within his scope of employment. No guard is employed to sleep. Measures and controls to prevent sleeping on duty should be implemented by the employer (e.g., rotations, supervision).
- WHILE ON DUTY
Scenario:
A guard assists in a crime (e.g., opening a gate for thieves, stealing, or participating in armed robbery).
Outcome:
Covered: Only if Fidelity Cover is in place.
- WHILE OFF DUTY
Scenario:
A guard commits a crime such as murder, rape, or assault during their personal time.
Outcome:
Not Covered: Crimes committed outside of duty are excluded.
Scenario:
A person, an animal (e.g., a dog, farm animal, or wildlife), or property is harmed during a shooting incident involving a guard.
Outcome:
Covered: If the guard was acting within the scope of their duties and was on duty at the time.
Scenario:
A security firm employs a new guard who is not registered with PSIRA, and an incident occurs.
Outcome:
Not Covered: All security personnel must be PSIRA-registered as per the policy wording.
Scenario:
A security dog bites a client, child, or pet.
Outcome:
Covered: If the dog was under the control of a handler (e.g., on a leash).
Not Covered: If the dog was free-roaming without supervision.
Scenario:
Guards accidentally cause a fire in the guardhouse (e.g., from a heater or cooking equipment).
Outcome:
Covered: Damage caused by the fire is covered, but the guardhouse itself is only covered if it belongs to the client, not the insured.
Scenario:
A supervisor or guard gets involved in a domestic situation and assaults or kills someone.
Outcome:
Covered: If acting within their duties (e.g., attempting to intervene professionally).
Scenario:
A guard faces assault charges from the public while on duty.
Outcome:
Not Covered: Under liability cover; it falls under COID (Compensation for Occupational Injuries and Diseases).
Scenario:
A guard abuses or tortures a suspect after making an arrest.
Outcome:
Covered: Battery is covered if the arrest was wrongful.
Scenario:
Guards damage property like booms, gates, or cars while on duty.
Outcome:
Covered: If the damage occurs during the performance of their duties.
Scenario:
Guards damage property during a strike.
Outcome:
Not Covered: This requires SASRIA (South African Special Risks Insurance Association) cover.
Scenario:
An alarm system is installed incorrectly, leading to damage.
Outcome:
Covered: If the damage results from technical failure or incorrect installation.
Scenario:
A company vehicle or quad bike driven by a guard injures someone on an estate.
Outcome:
Not Covered: Claims should go through RAF (Road Accident Fund).
Scenario:
An unqualified first aider gives incorrect advice during a medical emergency, worsening the situation.
Outcome:
Covered: If the staff is qualified and registered.
Scenario:
A guard accepts a bribe, leading to stolen stock from a warehouse.
Outcome:
Not Covered: Unless Fidelity Cover is in place.
Scenario:
Guards steal heavy-duty equipment or vehicles, causing damage.
Outcome:
Not Covered: This policy excludes vehicle/equipment theft unless firearms are specifically listed in the schedule.
Scenario:
Chemicals or steel are stolen from a plant.
Outcome:
Not Covered: Fidelity Cover is required.
Scenario:
A car is stolen within sight of guards on duty.
Outcome:
Not Covered.
Scenario:
A guard sells confidential information to a syndicate.
Outcome:
Not Covered: Unless Fidelity Cover is taken.
Scenario:
Legal action is taken against the company for negligence or staff actions.
Outcome:
Covered: If it relates to claims made under this policy. The Insurer covers defense costs, but only for defensible actions.
Scenario:
A VIP client is injured or killed in a car accident due to a driver’s negligence.
Outcome:
Not Covered: Claims should go through RAF.
Scenario:
PSIRA charges the security company with misconduct.
Outcome:
Covered: Defense costs are covered, but fines and penalties are excluded.
Scenario:
An incident occurs, but there is no written contract with the client.
Outcome:
Not Covered: The policy requires a signed security services agreement for coverage.
Scenario:
The security company takes too long to respond to an alarm.
Outcome:
Not Covered: Delays due to inadequate personnel, equipment, or maintenance are excluded.