Private Security Guard Insurance
Coverage designed for armed and unarmed security companies, patrol services, event security, executive protection, alarm response, and concierge/door staff. Build the right mix of General Liability (with Assault & Battery), Professional Liability, Commercial Auto & HNOA, Workers’ Comp, and more.
Who we insure
We help startups and established firms with guard services at offices, retail, apartments, construction sites, events, houses of worship, and healthcare facilities. Programs available for armed and unarmed guards (eligibility varies by state, training, and loss history).
- GL limits commonly $1M–$2M per occurrence; aggregates to $2M–$4M (higher via umbrella).
- Assault & Battery (A&B) coverage available—often via endorsement or sublimit. Essential for guard operations.
- Professional Liability (E&O) for alleged failure to protect, negligent supervision, or protocol errors.
- Auto/HNOA for patrol vehicles and when staff drive personal/rented autos for work.
Availability and terms vary by jurisdiction, armed status, training, contracts, and claims history.
Coverages & Limits
General Liability (with Assault & Battery)
| Each Occurrence | $1,000,000–$2,000,000 typical |
|---|---|
| General Aggregate | $2,000,000–$4,000,000 typical |
| Personal & Advertising Injury | Included |
| Damage to Premises Rented to You | Included |
| Medical Payments | Often excluded or low sublimit |
| Assault & Battery | Available by endorsement/sublimit; subject to conditions |
A&B is critical for guard firms; ensure wording matches client contracts and venue requirements.
Professional Liability (Errors & Omissions)
| Limits | $1,000,000 typical (higher available) |
|---|---|
| Allegations covered | Failure to protect, negligent training/supervision, breach of duty, documentation errors |
Often required by property managers, event venues, and healthcare facilities.
Commercial Auto & HNOA
| Auto Liability | Commonly $1,000,000 CSL (higher available) |
|---|---|
| Physical Damage | Comp/Collision for titled patrol vehicles |
| HNOA | Essential if staff use personal or rented autos for work |
| Endorsements | Drive Other Car, filings as applicable |
Workers’ Comp & Employers’ Liability
Statutory benefits for W‑2 guards. EL limits commonly $500k/$500k/$500k to $1M/$1M/$1M. Proper class codes and payroll audits help control premiums.
Inland Marine (Gear & Equipment)
Covers portable gear: radios, body cameras, computers, uniforms, ballistic vests, and signage. Schedule high‑value items; maintain inventory and serials.
Umbrella / Excess
Additional limits over GL, Auto, and Employers’ Liability to meet contract requirements (e.g., $5M total limits).
Optional Coverages
- EPLI (Employment Practices) for hiring, harassment, and wage/hour defense (where available).
- Crime/Fidelity for employee dishonesty and client property coverage.
- Cyber for incident response, ransomware, and privacy liability.
Contracts, Additional Insured & Certificates
- Additional Insured for ongoing/completed ops where eligible (e.g., owners, managers, venues).
- Primary & Noncontributory and Waiver of Subrogation available when approved.
- Confirm Assault & Battery meets client requirements; watch for A&B exclusions in third‑party contracts.
- We issue COIs quickly and can list project/site references and endorsement numbers as needed.
Safety & Risk Controls
- Written Use of Force, firearms/OC/baton policies; document training and annual refreshers.
- State licensing compliance; background checks and MVR standards.
- Post orders, dispatch logs, incident reporting, and guard tour systems (with time/location stamps).
- Body camera policy and evidence retention; HIPAA awareness for healthcare sites.
- Fleet safety (if patrol vehicles): telematics, maintenance logs, and distracted‑driving policy.
Pre‑Quote Underwriting Checklist
- Operations summary: armed/unarmed, sites served, hours, and supervision ratio
- Training & licensing details; firearms and less‑lethal certifications
- Client contract samples and COI requirements (AI/PNC/Waiver; A&B wording)
- Fleet list and driver roster (if applicable)
- Payroll by class/state; loss runs 3–5 years (GL/Auto/WC)
- Equipment/gear inventory (for Inland Marine)
Frequently Asked Questions
Is Assault & Battery automatically included?
Not always. Many carriers add A&B via endorsement or sublimit. It’s essential for security operations—make sure it’s included at adequate limits.
Do I need Professional Liability as well as GL?
Yes, most guard firms carry both. GL handles bodily injury/property damage; Professional Liability addresses alleged errors like failure to protect or negligent supervision.
What if guards drive their own cars?
Add Hired & Non‑Owned Auto to cover liability when employees use personal or rented vehicles for work. It doesn’t cover damage to their own cars.
Can you meet strict contract wording?
Yes. We can provide AI, Primary & Noncontributory, Waiver of Subrogation, and scheduled endorsements where the carrier allows.
Do you offer coverage for executive protection or event security?
Often yes—subject to underwriting. Provide details on venues, crowd sizes, travel, and any armed assignments.
Summaries above are for marketing only. Final terms depend on policy forms and underwriting.
Request a Quote
Tell us about your operation and we’ll follow up quickly with options.