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Protecting Security Guards with Tailored Insurance Coverage

Security guards stand as the barrier between order and disorder, risking their safety daily to ensure the security of their clients. Security companies in California must be well-prepared for any situation, from safeguarding employees from potential harm to managing legal expenses if a dissatisfied client raises a complaint.
Commercial General Liability
Professional Liability
Commercial Auto
Worker’s Compensation

Commercial general liability coverage

Risk Factors

If a client or a vendor may suffer from an injury while visiting your commercial property and files a lawsuit against you.

Solution

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.

Solution

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

Commercial auto coverage

Risk Factors

If any of your vehicles are involved in an accident, you have to pay for repairs to the property of other driver and also pay for medical care for any injuries the other person may sustain due to the accident.

Solution

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

Worker’s compensation coverage

Risk Factors

If any of your security guard 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.

Solution

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

Understanding Security Guard Insurance

Security guard insurance is a specialized policy encompassing various coverages tailored to meet the unique requirements of security guard companies. This type of insurance is designed to mitigate the diverse risks and dangers security personnel might encounter on duty, offering peace of mind to both employees and clients. The extent of coverage depends on the nature of the jobs performed and the specific jurisdiction, considering the varying liability laws between states and even local townships within those states.

Coverage Options in Security Guard Insurance

Every security insurance policy should be customized to address the distinct needs of a security company. Here are some essential coverages that could be included:

  • General Liability
  • Professional Liability
  • Incidental Medical Malpractice
  • Assault & Battery Coverage
  • Client Property Coverage
  • Crime Coverage
  • Auto Liability for Patrol Services
  • Abuse & Molestation Coverage
  • Lost Key Coverage (Client Re-Key Costs)
  • False Arrest Coverage
  • Umbrella/Excess Liability
  • Workers Compensation

Risks Faced by Security Guards

Security guards face numerous risks as they protect people and property from external threats. These risks include assault allegations, workplace injuries, and false arrests, each carrying potential liability issues based on the jurisdiction. Understanding these risks is vital before purchasing an insurance policy for your security company.

The risk exposures can vary significantly for each security company. For optimal protection, consulting with an insurance agent experienced in the security guard insurance market is essential. At Direct 2U Insurance, we specialize in insuring security companies in California and can provide coverage tailored to your specific needs.

We look forward to partnering with your security company to ensure comprehensive protection. 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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