Security Guard Business Insurance Coverage Checklist
The coverages a security guard business 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 contract security guard and patrol companies. Priorities reflect typical exposure; confirm against armed work and accounts guarded.
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 |
|---|---|---|---|
| General Liability incl. | Professional (Security Guard Form) Covers negligent security and guard errors — standard GL may exclude professional services. | Core | |
| Assault & Battery | Covers use-of-force and fight claims — often excluded or sublimited. | Core | |
| Umbrella / Excess Liability | Adds limits for negligent-hiring verdicts, which can reach tens of millions. | Core | |
| Hired & Non-Owned / Commercial Auto | Covers patrol vehicles and guards driving for work. | Prevalent | |
| Workers' Compensation | Required in most states; guards face assault and injury risks. | Core | |
| Employment Practices Liability | Covers claims from a large hourly workforce. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is assault and battery coverage, along with limits sized for negligent-hiring verdicts. Juries have returned $60 million against a security firm that hired a guard with a disqualifying assault conviction, and $177 million over a hotel guard's assault of a guest. Many policies exclude or cap assault claims. Screening against state disqualifiers, current guard and firearm licenses, and documented supervision are the controls carriers weigh most.
Send us the checklist and we'll review your security guard business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Security Guard Business Insurance · Security Guard Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a security guard business business need?
The core coverages for a security guard business business are General Liability incl., Assault & Battery, Umbrella / Excess 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 guard business 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.