Looking for Security and Patrol Agencies Insurance?
Protect your security business from liability claims, professional errors, worker injuries, and client property damage. Get coverage for security guards, patrol services, and private security companies.
What is Security and Patrol Agencies Insurance?
Security agency insurance protects protection services from liability claims, professional errors, worker injuries, and property damage. Coverage includes professional liability, general liability, and employment practices liability. Clients, facilities, and state licensing require proof of insurance before security contracts or operations can proceed.
Professional Liability
Coverage for security errors, negligence, or failures to prevent losses or injuries.
General Liability
Protects against injuries, property damage, and incidents during security operations.
Employment Practices
Covers claims from security personnel, including wrongful termination and discrimination.
Certificates
Fast proof for clients, facilities, and licensing boards.
Who Needs Security and Patrol Agencies Insurance?
- Security Guard Companies : Businesses requiring specialized insurance coverage
- Patrol Services : Businesses requiring specialized insurance coverage
- Event Security Providers : Businesses requiring specialized insurance coverage
- Executive Protection Services : Businesses requiring specialized insurance coverage
Why Harper?
Security Industry Expertise
We understand security service risks—professional liability, use of force claims, employee issues, and client property protection. Get coverage for armed/unarmed guards, patrol services, or event security.
Fast Proof for Contracts
Corporate clients require insurance before security service contracts. We deliver certificates quickly with the required endorsements.
Clear Simple Guidance
We explain professional liability, assault and battery coverage, and security-specific requirements clearly.
Tailored to Your Services
Match coverage to your security—unarmed guards, armed protection, mobile patrol, event security, or executive protection.
Frequently Asked Questions
What insurance do security companies need?
Security agencies need professional liability (E&O) for security failures, negligence, or failure to prevent crimes or losses they were hired to prevent, general liability for injuries and property damage during security operations, and assault and battery coverage for use-of-force incidents. Employment practices liability (EPLI) is critical given high employee turnover and frequent terminations. Workers' compensation covers security personnel injuries, while commercial auto protects patrol vehicles. Employers liability provides additional protection beyond standard workers comp for employee injury lawsuits.
Is security agency insurance required?
Most states require security companies to carry minimum general liability and professional liability insurance for security guard licensing, with typical minimums of $1-2 million. Clients contracting for security services universally require proof of insurance before engagement, often with much higher limits ($5-10 million for large facilities or events). Facilities requiring armed security typically require additional coverage and higher limits. State licensing boards require annual proof of insurance renewal to maintain security company licenses.
How much does security insurance cost?
Small security companies with fewer than 10 guards pay $10,000–$25,000 annually for required coverage. Mid-sized agencies with 25-100 guards pay $30,000 to $100,000+ annually. Large security companies with hundreds of guards or armed services pay $150,000 to $500,000+ annually. Costs depend on the number of guards, armed versus unarmed services, employee turnover rates, claims history, types of clients served (retail versus industrial affects risk), coverage limits, and whether providing event security.
Does insurance cover use-of-force incidents?
Assault and battery coverage (typically excluded from standard general liability and requiring special endorsement or separate policy) covers claims arising from security guards using force, including excessive force allegations, wrongful detention, or physical altercations with suspects. Coverage applies when guards followed proper protocols, used appropriate force levels, and acted within the scope of their authority. Intentional excessive force, actions outside employment, or violations of clear policies may void coverage.
Does insurance cover security failures?
Professional liability (E&O) covers claims when security services fail to prevent losses they were hired to prevent, such as theft occurring during guard shifts, unauthorized access despite security presence, or injuries from incidents guards should have prevented. Coverage applies when security personnel follow proper procedures and protocols. However, unconditional guarantees of preventing all losses or security services operating with grossly inadequate staffing may create coverage issues.
Can clients require armed security insurance?
Yes, clients requiring armed security guards typically mandate significantly higher insurance limits (often $5-10 million minimum), specific assault and battery coverage, proof that guards are properly licensed and trained for armed security, and adding the client as additional insured. Some facilities require separate insurance certificates for armed versus unarmed personnel. High-risk environments like banks, dispensaries, or jewelry stores have particularly stringent armed security insurance requirements.