General Liability
Covers bodily injury and property damage caused by your security guards or on premises you protect.
Security Services Insurance for Guard & Monitoring Companies
Security companies face significant liability for guard actions, bodily injury claims, and failure-to-protect lawsuits. We compare multiple carriers to find the right coverage for your security business.
Coverage
What does Security Services insurance cover?
The right insurance program for your Security Services business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Professional Liability
Covers claims of negligent security, failure to prevent crime, or improper use of force by your officers.
Workers' Compensation
Covers your security officers for assault injuries, slips, and other hazards inherent in security work.
Commercial Auto
Covers patrol vehicles, security vans, and vehicles used by mobile security units.
Commercial Property
Protects your monitoring equipment, communication systems, and office against damage and theft.
Who needs it
Who needs Security Services insurance?
If you operate a Security Services business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Uniformed security guard companies — Face claims for excessive force, wrongful detention, and failure to prevent crime at client locations.
- Alarm monitoring and remote security services — Liable for losses when monitoring failures allow break-ins or property damage to go undetected.
- Event and venue security firms — Manage large crowds at public gatherings, facing serious liability if altercations or injuries occur.
- Investigative and executive protection services — Operate in sensitive environments where privacy violations, force incidents, or surveillance errors create claims.
Why Ashmont Insurance Agency
The smarter way to insure your Security Services business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Security Services business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Security Services coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Security Services insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Security services insurance typically costs $3,000–$10,000+ per year depending on number of guards, armed vs. unarmed status, client types, and claims history. Armed security commands significantly higher premiums. Ashmont Insurance Agency compares multiple carriers for competitive rates.
Independent security contractors should carry their own general liability and professional liability. However, most security operations are employed by security companies who provide coverage. Verify coverage status with any contract before beginning work.
Professional liability for security firms covers claims of negligent security — such as failure to prevent theft, inadequate response, improper use of force, false arrest, or failure to follow post orders. It pays legal defense and settlement costs.
Yes. Armed security significantly increases liability exposure and insurance costs due to the higher risk of bodily injury claims. Many carriers limit or exclude coverage for armed guard operations, making specialized markets important. Ashmont Insurance Agency accesses multiple carriers including specialty markets.
Yes. Ashmont Insurance Agency lets you compare security services insurance from multiple carriers online in minutes. We evaluate your guard count, armed status, client types, and state licensing to find your most competitive options.
Ready to protect your Security Services business?
Compare Security Services insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.