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Security Guard Insurance

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Security Guard Insurance

Security guards are the thin line between order and chaos. They need to put themselves in harm's way every day, all so that their client's security is ensured. Security companies should be prepared for any eventuality: from protecting employees against harm on the job to covering legal costs if a disgruntled customer takes issue with your service.

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Commercial General Liability
Professional Liability
Commercial Auto
Worker’s Compensation

Commercial general liability coverage

Risk Factors

Suppose a client or a vendor suffers from an injury while visiting your commercial property and files a lawsuit against you.


Commercial general liability insurance will cover the associated legal expenses, as well as any amounts that you may be required to pay out to the plaintiff.

Professional liability coverage

Risk Factors

If a fire or burglary loss should occur, the security agency could be held liable for failing in its professional duty to the client.


Professional Liability Coverage would cover any related expenses and thereby offer protection if your client takes any legal action.

Commercial auto coverage

Risk Factors

Suppose any of your vehicles are involved in an accident. In that case, you have to pay for repairs to the other driver's property and medical care for any injuries the other person may sustain due to the accident.


Commercial Auto policy would cover any expense for the care of the driver and repair of the driver’s property.

Worker’s compensation coverage

Risk Factors

If any of your security guards have been attacked by intruders who may be carrying weapons, you will have to pay for the medical care for any injuries your employees may sustain.


This policy covers the cost of medical care, lost wages, and other expenses related to injuries or illnesses that your employees may sustain while on the job.

What is Security Guard Insurance?

A security guard insurance policy is a combination of different coverages customized for the unique needs of a security guard company.

Security guards may face several possible risks and dangers on the job. A security guard insurance policy protects employees from these potential hazards while providing peace of mind for their clients should anything happen. The coverage provided by this type of insurance can vary depending on what jobs are being performed or where the company operates in terms of jurisdiction specifics like liability laws which often differ significantly between states as well as local areas such as townships within those particular jurisdictions.

What coverage does Security Guard Insurance have?

Every security insurance policy requires different coverages with unique needs. Therefore, it would help if you tailor a policy specific to your security company that can include (but is certainly not limited to) many of the following coverages:
  • General Liability
  • Professional Liability
  • Incidental Medical Malpractice
  • Assault & Battery
  • Client Property coverage
  • Crime coverage
  • Auto Liability for patrol services
  • Abuse & Molestation
  • Lost Key Coverage (Client Re-Key Costs)
  • False Arrest
  • Umbrella/Excess Liability
  • Workers Compensation

The Risks faced by Security Guards 

Security guards put themselves between outside threats and the people and property they are hired to protect. Unfortunately, these professional heroes have their work cut out for them, as there’s no shortage of risks surrounding this profession. From assault claims by overzealous security guards, workplace injuries when a guard fails in their duty to do so safely, or false arrests, which can open up liability issues depending on where you live. All these things need to be considered before purchasing your insurance policy!

The risk exposures differ for each security company. To have the best insurance protection, you’ll want to talk with an insurance agent who understands the security guard insurance market. We help insure security companies and can help provide you with security insurance coverage that fits your specific needs. We would love to work with your security company. Contact us today!

Already have Security Guard Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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We extend coverage to individuals and businesses in Wisconsin and surrounding areas.

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