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.
Not sure your coverage is complete? Run the Security Guard Coverage Self-Review Checklist — tick what you can confirm, and walk into your next policy review informed.
Download the fillable Security, Alarm & Investigation Supplemental to start your submission, or browse all applications.
Frequently Asked Questions
How do I get security guard business insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate security guard business insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What does security guard business insurance cost?
It depends on your exposure. Security guard business insurance is priced on factors like your industry, size, prior claims, and the limits and deductibles you select — so two businesses rarely pay the same. We shop your account across competing carriers and present the trade-offs in plain English.
Is security guard business insurance required?
Whether security guard business insurance is strictly required depends on your state, your contracts, and your lenders or clients. Even where it is not mandatory, going without it can leave serious financial gaps. We assess your exposure and any contractual requirements, then structure coverage that meets both.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.