Specialty & E&SE&S market

Security guard firms

Companies providing armed and unarmed security guard and patrol services.

Why it needs cover

The exposure

Guard work involves exactly the risks standard GL excludes: use of force, assault and battery, and false arrest. Armed operations add firearms liability and much higher severity.

What we place

Coverages this class usually needs

General liability (with assault & battery)Often (license/contract)

Third-party injury/property plus force claimsCore guard exposure

Professional liability / E&OOften (contract)

Service failures/negligenceFailure-to-protect claims

Firearm liabilityOften

Weapon-involved incidentsArmed operations

Workers' compensationRequired (with employees)

Guard injuriesOn-duty risk

Commercial auto / EPLI / umbrellaOften (contract)

Patrol vehicles, employment, excessOperational needs

What it costs

National benchmark premiums

Rated on: Payroll and revenue (armed vs. unarmed)

General liability

median $42/mo; standard $1M/$2M GL ranges about $87-$129/mo

Professional liability / E&O

median $65/mo

Total annual (typical)

small unarmed firms $3,000-$5,000/yr; mid-size or armed $8,000-$15,000/yr; large multi-state armed operations $50,000+/yr

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Security Guard cost); Southern States Insurance; Alliance Risk; Novagems.

When it goes E&S

Where this risk gets hard to place

Armed guards, executive protection, alarm response, and assault/battery loss history are heavily E&S; most standard GL forms exclude use-of-force and firearms.

Contact

Talk to us about Security guard firms.

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