Looking for Security Guards Insurance?
Protect your security guard business with specialized insurance coverage. From employee liability to professional negligence claims, Harper Insure provides the coverage security companies need to stay licensed, win contracts, and operate with confidence.
What is Security Guards Insurance?
Security guard insurance protects businesses from the unique risks of the security industry—employee injuries on duty, liability for guard actions, property damage, and legal claims. Standard commercial policies don't cover these exposures. A tailored security policy ensures you're protected and compliant with state licensing requirements.
General Liability
Covers third-party bodily injury and property damage claims arising from your security operations.
Professional Liability
Protects against claims of negligent security services, errors in judgment, or failure to prevent incidents.
Employee Liability
Covers injuries or accidents involving guards while on duty, including liability for employee actions.
Equipment and Vehicle Coverage
Protects patrol vehicles, uniforms, radios, and security equipment from theft, damage, or loss.
Who Needs Security Guards Insurance?
- Private Security Companies : Companies providing guard services to commercial and residential clients
- Event Security Providers : Security for concerts, sporting events, and private gatherings
- Security Guard Agencies : Staffing agencies placing guards at client locations
- Mobile Patrol Services : Companies providing vehicle-based security patrols
- Armed Security Services : Companies providing armed guard services
Why Harper?
Security Industry Expertise
We understand the risks security companies face—guard liability, use of force claims, and client property protection. Our policies are built for this industry.
Same-Day Certificates
Get proof of insurance quickly for licensing, contracts, or client requirements. Most clients receive certificates the same day.
Coverage for All Security Types
Whether you provide unarmed guards, armed security, event security, or mobile patrols, we tailor coverage to your operations.
Competitive Rates
We work with multiple carriers to find coverage that fits your business size and risk profile.
Frequently Asked Questions
Do security companies need specialized insurance?
Yes. Security guards face unique liability exposures—employee actions, use of force situations, and failure to prevent incidents—that standard commercial policies exclude or limit. Specialized security insurance addresses these risks.
What does security guard insurance cover?
Coverage typically includes general liability, professional liability for negligent security services, employee liability, and equipment protection. Optional coverages include assault and battery, firearms liability, and workers' compensation.
How fast can I get proof of insurance?
Most clients receive their certificate of insurance the same day they purchase their policy. We format certificates for state licensing and client contract requirements.