"Protecting Others Is Your Business. Let Us Protect Yours."
Protecting personnel, clients, and security operations
Security guard operations involve deploying trained personnel into high-liability environments — protecting client property, managing access, and responding to incidents. From use-of-force claims and false arrest allegations to employee injuries and client property damage, security risk is people-driven, legally complex, and heavily contractual. Whether operating a small security firm or a multi-site contract security company, exposures can arise from individual officer decisions, client site conditions, or contractual obligations.
Properly structured insurance is essential to protect the business, its officers, client relationships, licensing status, and long-term operational stability.
Key Risks in Operations
Use-of-force claims and excessive force allegations
False arrest, detention, or imprisonment claims
Third-party bodily injury at client locations
Employee injuries during security operations
Client property damage or theft on guarded premises
Negligent hiring or training allegations
Licensing and regulatory compliance requirements
Losses can arise even when the business is professionally managed.
Core Coverages
General Liability — Protects against bodily injury and property damage claims arising from security operations at client locations.
Professional Liability / Errors & Omissions — Covers claims alleging failure to perform security duties, negligence in service delivery, or errors in judgment.
Assault & Battery Liability — Covers bodily injury claims specifically arising from physical altercations involving security personnel.
Workers Compensation — Provides coverage for officer injuries sustained during physically demanding and unpredictable security operations.
Commercial Auto — Covers patrol vehicles and company cars used during security operations and officer transport.
Employment Practices Liability — Covers employment-related claims from officers, including wrongful termination, discrimination, and harassment.
Umbrella / Excess Liability — Provides additional limits for severe use-of-force, false arrest, or multi-claimant loss scenarios.
What's Commonly Overlooked
Insurance programs are often weakened by:
Missing assault and battery coverage excluded from standard GL policies
Inadequate professional liability for failure-to-perform claims
No employment practices liability for a large officer workforce
Failure to cover all client site locations under the program
Gaps in auto coverage for patrol and response vehicles
Insufficient limits required by large commercial or government contracts
These issues typically surface at claim time — not before.
An officer is accused of using excessive force during an incident
A detainee alleges false arrest or wrongful detention
A client's property is stolen from a guarded location
An officer is injured responding to a physical altercation
A client alleges failure to prevent a break-in or property loss
Even a single claim can disrupt operations, damage client relationships, or impact cash flow.
Why Proper Placement Matters
Coverage varies significantly based on:
Types of client locations guarded (retail, industrial, residential, government)
Armed vs. unarmed security operations
Number of officers and employment structure
State licensing and training requirements
Client contract indemnification and insurance requirements
Improper placement can lead to uncovered claims, contract losses, or regulatory exposure.
Our Approach
At Cory Washington & Co., we structure security guard insurance programs around the high-liability, contract-driven nature of professional security services. We coordinate liability, assault and battery, professional, workers compensation, and auto coverage to ensure your firm — and your officers — are protected in the field.
Protecting others. Protected by design.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.