Security Consultant Insurance Coverage Checklist
The coverages a security consultant business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for physical security advisory consultants. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability / E&O | Covers failure-to-recommend claims after incidents. | Core | |
| General Liability | Covers site walks and training injuries. | Core | |
| Cyber Liability | Covers leaked vulnerability reports. | Core | |
| Workers' Compensation | Required for employees. | Core | |
| Umbrella / Excess | Adds limits for nuclear-verdict severity. | Prevalent | |
| Assault & Battery (No Exclusion) | Keeps coverage when the incident is a violent act. | Prevalent | |
| Hired & Non-Owned Auto | Covers site travel. | Prevalent | |
| Employment Practices Liability | Covers staff claims. | Prevalent | |
| Products / Completed Operations | Covers hardware you specify or integrate. | Situational | |
| Active Assailant Coverage | Covers incidents at your own premises. | Situational |
The coverage gap most often missed
The gap most often missed by security consultants is the assault and battery exclusion. Many security-class E&O and GL forms exclude assault, battery, or firearms, which can erase coverage for a consultant sued after a shooting at an assessed site — and in a negligent-security case the underlying event is always a criminal attack. Confirm no such exclusion on both policies, and that E&O doesn't exclude bodily injury arising from your services.
Send us the checklist and we'll review your security consultant coverage line by line, then market it across multiple carriers that compete for your account.
Related: Security Consultant Insurance · Security Consultant Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a security consultant business need?
The core coverages for a security consultant business are Professional Liability / E&O, General Liability, Cyber Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my security consultant coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.