Security Guard and Company Insurance

Security Guards and Patrol Services
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Why do security guards need business insurance?

Being a security guard has its risks. Security guard insurance coverage provides protection in the event that you or an employee get hurt in an accident, or a client is unsatisfied with your services. Some policies may be required to comply with state laws or client contracts.

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Get same-day insurance

With Insureon, security guards can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of business insurance do security guard companies need?

These policies cover common risks and exposures in the commercial security guard industry.

General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks, such as bodily injury and client property damage. Bundle it with commercial property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, bundles general liability coverage and commercial property insurance at a discount. It protects against common lawsuits and property damage.

  • Accidents that injure clients
  • Client property damage
  • Stolen or damaged business property
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Workers’ compensation insurance

Most states require workers’ comp for security guard and patrol companies that have employees. It also protects self-employed security guards from work injury costs that health insurance might deny.

  • Work-related injuries
  • Disability benefits
  • Lawsuits from employee injuries
Professional liability insurance icon

Professional liability insurance

Professional liability insurance covers legal costs when a security guard is sued for a mistake or oversight that causes financial harm. It's also called errors and omissions insurance (E&O).

  • Lawsuits from dissatisfied clients
  • Accusations of negligence
  • Failure to provide promised services
Commercial auto insurance icon

Commercial auto insurance

Commercial auto coverage covers financial losses when a vehicle owned by your security business is involved in an accident. Most states require business auto insurance for company-owned vehicles.

  • Property damage caused by your vehicle
  • Medical payments from an accident
  • Vehicle theft and vandalism
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Cyber insurance

This type of coverage helps security guards recover from data breaches and cyberattacks. It's strongly recommended for any business that handles sensitive information.

  • Customer notification costs
  • Data breach investigations
  • Fraud monitoring services
Looking for different coverage? See more policies.

How much does insurance cost for professional service businesses?

Professional service business owner calculating the cost of insurance.

A private security business with only a few security officers will pay less for insurance than a larger security business.

Factors that affect premiums include:

  • Professional services offered, such as armed security
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
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How do I get security guard insurance?

It’s easy to get business insurance for security guards if you have your business information on hand. Our insurance application will ask for basic facts about your security guard company, such as revenue and number of employees. You can buy insurance policies online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right coverage options for your security guard services, whether you work independently as a self-employed security guard or hire employees. This may include umbrella liability insurance, inland marine insurance, and other helpful security company insurance policies that meet your specific needs.

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