Liability Insurance Coverage
Coverage for Security Guards, Private Patrols, Personal Protection
Fast quotes and niche insurance market access for security industry.
General & Professional Liability Built for Every Security Risk.
From Assault & Battery to Errors and Omissions, we provide the robust defense your security business needs to operate with confidence.
Security Guards, also called security officers, patrol and inspect property to protect against fire, theft, vandalism, terrorism, and illegal activity. These workers protect their employer’s investment, enforce laws on the property, and deter criminal activity and other problems. They use radio and telephone communications to call for assistance from police, fire, or emergency medical services as the situation dictates. Security Guards write comprehensive reports outlining their observations and activities during their assigned shift. They also may interview witnesses or victims, prepare case reports, and testify in court.
Although all security guards perform many of the same duties, their specific duties vary with whether the guard works in a ‘static’ security position or on a mobile patrol. Guards assigned to static security positions usually serve the client at one location for a specified length of time. These guards must become closely acquainted with the property and people associated with it and must often monitor alarms and closed-circuit TV cameras. In contrast, guards assigned to mobile patrol duty drive or walk from location to location and conduct security checks within an assigned geographical zone. They may detain or arrest criminal violators, answer service calls concerning criminal activity or problems, and issue traffic violation warnings.
Protecting Your Security Guard Business
Our program covers:
- Commercial General Liability
- Products/Completed Operations
- Personal Injury, Advertising Injury
- Fire Damage Legal Liability
- Extended Bodily Injury
- Assault and Battery
- Employees as Additional Insured
- Contractual Broad Form Excluding Sole Negligence
- Property Damage Theft Extension
- Lost Key Coverage
- Errors and Omissions
- Medical Payment
Optional Coverage
- Workers’ Compensation
- Commercial Auto
- Property Insurance
- Inland Marine
Custom Insurance Solutions for Security Agencies of All Sizes.
We specialize in insurance coverage designed for:
- Security Guards
- Private Patrols
- Executive Protection
- Personal Protection
- Security Consultants
- Undercover Guards
- Doormen
- Armored Cars
The security guard's job responsibilities also vary with the size, type, and location of the employer. In department stores, security guards protect people, records, merchandise, money, and equipment. They often work with undercover store detectives to prevent theft by customers or employees, and they help apprehend shoplifting suspects prior to the arrival of the police. Some shopping centers and theaters have officers who patrol their parking lots to deter car thefts and robberies. In office buildings, banks, and hospitals, guards maintain order and protect the institutions' property, staff, and customers. At air, sea, and rail terminals and other transportation facilities, guards protect people, freight, property, and equipment. Using metal detectors and high-tech equipment, they may screen passengers and visitors for weapons and explosives, ensure that nothing is stolen while a vehicle is being loaded or unloaded, and watch for fires and criminals.
Guards who work in public buildings such as museums or art galleries protect paintings and exhibits by inspecting people and packages entering and leaving the building. In factories, laboratories, government buildings, data processing centers, and military bases, security officers protect information, products, computer codes, and defense secrets and check the credentials of people and vehicles entering and leaving the premises. Guards working at universities, parks, and sports stadiums perform crowd control, supervise parking and seating, and direct traffic. Security guards stationed at the entrance to bars and places of adult entertainment, such as nightclubs, prevent access by minors, collect cover charges at the door, maintain order among customers, and protect property and patrons. Other security professionals directly provide personal protection and/or executive protection to their clients, these are more commonly known as body guards.