Security Guard Insurance

Security company insurance programs are not cut and dry. For unarmed guards, private investigation firms and armed courier services, having the right coverage in place is critical to both the security company and their clients.

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Southern States Insurance partners with several niche security company insurance carriers that can develop exactly the right security guard insurance that each security company needs.

Security Guard Companies and other Security Companies have many coverage needs required by their customers. We can tailor specific programs that include many of the following coverages:

  • General Liability
  • Professional Liability
  • Incidental Medical-Mal Practice
  • Assault and Battery
  • Client Property coverage
  • Crime coverage
  • Auto Liability for patrol services
  • Abuse and Molestation
  • Lost Key Coverage (Client Re-Key Costs)
  • False Arrest

We’ve been writing security company insurance for years and are happy to review your customer contracts. Southern States Insurance wants to make sure you get what you need, the right way, the first time.

*Our program starts at $2,500.
**We cannot write policies for California.
***To speed up the application process, please complete our Security Guard Application
    • Insuring An Armed Security Guard

Insuring armed guards is sometimes the most difficult at the beginning while shopping for coverage. Many carriers include a “Reinsurance Treaty Violation Penalties” for insuring armed guards. Meaning, many carriers prohibit writing security company insurance in any way shape or form if insuring armed guards.

We have access to the markets you need – problem number one, solved.

Armed security guard coverage can be tricky and it is important to work with an agent who has experience. There are numerous requirements of guards in respect to their licensing, training and background.

With our history and experience insuring both armed and unarmed guards we can help you understand your risks and requirements no matter what level of experience or size your security company may be.


  • Insuring An Unarmed Security Guard


Unarmed guards may not carry a firearm but often a club, stun gun, chemical spray or a night stick. If your security employees carry any of these non-lethal enforcement devices it is essential guards receive proper training and licensing.

With both unarmed and armed security it’s important that the policy be written as clearly and completely as possible so your security company follows and understands the job expectations. The security requirements agreed on by the client, are the document your company will be protected against.

Our agency can help your business find the best security guard insurance.

Private investigators are unique in that they offer a variety of services, but aren’t actually offering protection and do not usually carry firearms. There are many areas in which a private investigator could work:

  • Insurance/Workers Compensation
  • Legal Matters
  • Background Checks
  • Asset Searches
  • Divorce Filings
  • Missing Persons and Reconnections
  • Accidents and Reconstructions


Professional Liability

Professional liability insurance is perhaps one of the most important insurances a P.I. will need. This type of policy helps protect you in the case of a lawsuit, where general liability insurance will not cover you. Some of the areas of risk you might encounter include:

  • Defamation
  • Invasion of Privacy
  • Errors & Omissions
  • Bodily Injury

Let’s say you are hired by a client to do a background check on an employee, but you overlook some important information about the employees past and forget to disclose it in your report. Your client may sue you for that omission of information. Be sure to get yourself properly covered with the right kind of policy! We can help you get a quote today!

BLOG: Learn more about professional liability and private investigation insurance
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