To explain to you the importance of checking whether your security system complies with your insurance policy, it would be useful to relate this to home security. Many insurers will refuse to pay up on a policy if you have a break in, and it is later discovered that you had not got proper locks on the doors and windows. Some home insurers will refuse to pay out after a crime if there isn’t an alarm, or it is discovered that an existing alarm had not been set.
Now look at the security system you have fitted on your commercial premises. Have you got a good enough CCTV network to fulfil the requirements of your insurance policy? It is not enough for you to just stand outside the front of your factory unit and say: “that will do!” It is advisable to have a professional security expert, who has been approved by the insurer, to carry out an audit of your premises.
The audit will look at every thing from locks and alarms, to smoke detectors and CCTV cameras. The auditor will check to see that there are no unguarded or unsecured exits. The auditor will also make sure that any existing camera network has a clear view of doors and windows that could be used by criminals.
CCTV is also useful inside work areas for health and safety. If an employee were to suffer an accident on the premises, a clear recording of what happened could be used as evidence in any ensuing court case or tribunal.