Insurance for security service companies
Guard services, patrol companies and private security firms face use-of-force, negligent-security and negligent-hiring claims that standard policies exclude. We place security programs with specialty markets that underwrite the industry.
When coverage gaps become large losses
Illustrative scenarios where a policy gap left the company exposed.
An armed guard use-of-force incident
An armed officer used deadly force during a confrontation at a retail location. The shooting was ruled unjustified, leading to wrongful-death litigation against the guard and the company, plus criminal defense costs. The GL policy excluded assault and battery, with no separate use-of-force coverage or umbrella.
Illustrative example. Real outcomes depend on the facts and your policy terms.
Complete coverage for security companies
Protect your officers, your clients and your reputation.
Security Guard Liability
General liability built for security operations, including assault and battery, false arrest, false imprisonment and wrongful detention claims that standard GL excludes.
Armed Guard Coverage
Use-of-force incidents, weapons-related liability and the elevated exposures of armed personnel.
Professional Liability (E&O)
Claims of negligent security services: failure to protect, inadequate patrol, improper training or breach of contract obligations.
Errors in Monitoring
For alarm monitoring companies: failure to respond, delayed dispatch, system malfunctions or communication failures that cause client losses.
Umbrella / Excess Liability
Additional limits above primary policies, important where a single use-of-force incident can produce a multi-million-dollar claim.
Workers' Compensation
Required for officers, patrol staff and administrative team: confrontations, vehicle accidents, slips and the physical demands of the job.
Commercial Auto
Patrol vehicles, response units and company cars, including security equipment installed in vehicles.
Employment Practices Liability
Discrimination, harassment, wrongful termination and wage disputes, important with a large officer workforce.
Crime & Employee Dishonesty
Employee theft from your company and from client locations; third-party crime coverage matters when officers have access to client premises.
Surety Bonds
Security company bonds required by Washington State licensing, plus fidelity and performance bonds for commercial and government contracts.
Business Property
Office, uniforms, radios, weapons, body cameras and other gear at your facility, client sites or in transit.
Cyber Liability
Breaches involving client security information, access credentials, surveillance footage and employee data.
Security companies we insure
Contract guard services
Uniformed officers for commercial properties, office buildings, retail centers and industrial facilities.
Mobile patrol services
Scheduled and random vehicle patrols across multiple client properties.
Armed security services
Armed officers for high-risk locations, executive protection and asset transport.
Event security
Concerts, festivals, sporting events and conventions, with crowd management and access control.
Executive protection
Close protection and security planning for executives and high-net-worth individuals.
Healthcare security
Hospitals and clinics, with training for patient interaction and emergency response.
Campus & school security
K-12 schools, colleges and universities, with youth interaction training and emergency protocols.
Alarm monitoring & response
Central station monitoring and alarm response with 24/7 dispatch.
Private investigation
Surveillance, background checks, asset searches and investigative services for legal and corporate clients.
Brokers who understand security operations
Specialty market access
Many standard carriers won't write security companies. We compare A-rated specialty markets that underwrite security operations.
Contract and licensing compliance
Coverage structured to meet commercial and government contract specifications and Washington private security licensing requirements.
Claims and risk support
Support through high-profile incidents, and help with training documentation, use-of-force policies and hiring protocols that can improve terms. Kirkland-based since 1992.
Ready to protect your security company?
Coverage analysis and quotes from specialists who understand security operations. Same-day quotes are often available; no obligation.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.