Surveillance System Installer General Liability Insurance

Surveillance System Installer Claim Examples

Here are a couple of scenarios where general liability insurance could come into play:

• Bodily Injury: Imagine you're in the middle of installing a security camera system in a client’s office. Your tools and equipment are spread out on the floor, as is often the case during such a job. Unfortunately, the client, not noticing a cable running across the floor, trips over it and falls, injuring their ankle. The client needs medical attention, including a visit to the emergency room and follow-up physical therapy. This incident not only disrupts your client’s day but also leads to significant medical expenses. Without general liability insurance, you would be personally responsible for covering these costs, which could range from a few hundred to several thousand dollars. However, with the right coverage in place, your insurance steps in to pay for the client’s medical bills and any associated costs, protecting your business from a potentially crippling financial burden.

• Property Damage: Consider another situation where you’re working in a high-end residential home, installing a complex surveillance system. While adjusting a camera on a wall mount, the camera slips from your hands and crashes onto the marble countertop below. The impact leaves a noticeable crack in the marble, which is a custom piece imported from Italy and extremely expensive to replace. The homeowner is understandably upset, and the cost to repair or replace the countertop is substantial. This type of property damage could easily lead to a hefty claim. However, with general liability insurance, you’re covered. Your policy would pay for the repair or replacement of the damaged countertop, ensuring the client is satisfied and your reputation remains intact. Without this coverage, you would have to bear the full cost out of pocket, which could severely impact your business’s finances.