Efficacy cover is liability insurance, which protects you in the event of an injury to a third party or damage to their property resulting from the failure of a product or service to perform its intended function. For example; an alarm system, fire control or extinguishing system, or electronic security system. The cover applies to either failure of a product or a fault in its installation. With our specialist electrical contractors insurance cover we automatically include efficacy cover of £100,000 as standard.