In the UK, safeguarding assets and ensuring the security of premises is paramount. One indispensable tool in this endeavour is the installation of burglar alarm systems. Beyond the immediate protection they provide, these systems can also play a key role in upholding insurance warranties, ensuring businesses are adequately covered in the event of a claim. Watch our video on burglar alarms and how your insurance warranties may be invalidated here.
I. The Rising Threat: Commercial properties, ranging from offices, to warehouses, are prime targets for burglaries due to the valuable assets they often house. The increasing sophistication of criminals and the evolving nature of security threats necessitate a proactive approach. Burglar alarms, equipped with advanced technology, act as a formidable deterrent, discouraging potential intruders and mitigating the risk of break-ins. If you never suffer a burglary or theft, it means your burglar alarm system is working perfectly!
II. Choosing the Right Burglar Alarm System
Selecting an appropriate burglar alarm system is crucial for maximizing security. Commercial properties vary widely, and so do the security requirements. From basic intruder alarms to more complex systems that integrate CCTV, access control, and monitoring services, businesses must tailor their security solutions to their specific needs. Systems must adhere to Industry standards such as BS EN 50131. Working with accredited security providers ensures a comprehensive and customized approach.
A significant change is currently taking place that is having a widespread impact on many businesses. In early 2024 BT Redcare announced they were to stop selling new alarm signalling products from the end of February 2024, and all their existing product services will end on 1st August 2025 or earlier where contractual services are due to expire before then.
We would advise all BT Redcare customers to contact their alarm maintenance company at the earliest opportunity to discuss options available for switching to alternative alarm signalling systems.
Many installers provide GSM connectivity for their systems, however for many businesses, especially those located in more rural areas, this can provide connectivity issues with the signal dropping out and normally involves an antenna being installed on the exterior to enhance the signal.
Also, Installers normally look for WiFi rather than an ethernet connection. In our view, this poses a potential security blind spot so, be careful and interrogate the options available
III. Insurance Warranties: The link between Security and Cover, Insurance plays a pivotal role in mitigating financial losses resulting from burglary or theft. However, it’s important to note that insurance providers often impose specific security requirements to validate cover. Burglar alarm systems, meeting or exceeding industry standards, are a common stipulation in insurance policies for commercial properties.
IV. Ensuring Compliance for Insurance Warranties
To optimise insurance cover, businesses must ensure their burglar alarm systems comply with the requirements set out by their insurers. Regular maintenance, system upgrades, and adherence to industry standards such as BSEN50131 are crucial aspects. Failure to meet these standards may result in reduced cover or even denial of claims in the event of a security breach.
V. Advantages Beyond Security: Monitoring and Integration
Modern burglar alarm systems extend beyond basic intruder detection. Integrated systems that combine burglar alarms with surveillance/CCTV cameras and access control provide a holistic security solution. Additionally, many systems offer remote monitoring capabilities, allowing businesses to keep a vigilant eye on their premises in real-time.
More information on burglar alarms can be found in our video.
Conclusion: Investing in burglar alarm systems for commercial properties in the UK is not only a prudent security measure but also a strategic move to uphold insurance warranties. By choosing and maintaining a robust security system, businesses not only deter potential intruders but also demonstrate their commitment to safeguarding assets, ultimately contributing to a safer and more secure commercial environment.
For advice on how to ensure your insurance meet your business requirements, contact Castlemead Insurance Brokers.
About Us
Founded in 1987, Castlemead Insurance Brokers is an independent commercial insurance broker, specializing in Corporate Insurance, offering a full insurance broking and risk management service to our clients. Offices in the South-West of England, with clients across the UK, including Scotland and Channel Islands. Castlemead are experts in International Insurance Programmes and are partner members of the GBN Insurance network. We also have an EU subsidiary to aid placing insurance policies with modest EU Insurance risk
