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.
These policies cover common risks and exposures in the commercial security guard industry.
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.
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.
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.
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).
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.
This type of coverage helps security guards recover from data breaches and cyberattacks. It's strongly recommended for any business that handles sensitive information.
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:
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.