Specialty Insurance Built for
The Security Industry

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Trusted Advisors to the Security Industry

As subject matter experts in high stakes operational liability we engineer comprehensive Enterprise Risk Management strategies for the security industry. We know a single failure can jeopardize human life and corporate reputation in this business and we leverage our personalized methodology to know your unique operational demands first.

Comprehensive Coverage for Complex Operations

We provide proprietary risk frameworks and global market access for armed and unarmed guarding, private investigation, and event crowd management. However, our expertise truly excels when addressing the severe and dynamic vulnerabilities of Executive Protection.

The Pinnacle of Risk: Executive Protection

Providing close protection for corporate executives, celebrities, or international dignitaries carries unparalleled liability. Standard policies categorically fail to grasp the nuance of executive protection including the use of force, international travel vulnerabilities, and severe reputational risks inherent to this highly specialized field.

We engineer bespoke liability solutions specifically built for Executive Protection firms. By deeply analyzing your threat assessment protocols we ensure your firm is entirely shielded against complex negligence and bodily injury claims. We secure your balance sheet so your agents can focus entirely on the physical safety of their principals.

Elite Tools and Collaborative Strategy

Our commitment to your operational resilience goes far beyond standard policy placements. Through our Hostile Environment Liability Protection program we offer cutting edge coverage designed for the most challenging global environments combined with a robust risk mitigation consulting service available to all policy holders and tailored to your specific needs.

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Operating in austere or post-conflict environments exposes organizations to severe vulnerabilities that standard insurance policies simply ignore. Standard frameworks routinely contain critical coverage gaps regarding war, terrorism, political violence and complex overseas operations.

To secure enterprises working in these high-risk areas we provide exclusive access to the Hostile Environment Liability Protection program.

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Security firms require a specialized stack of coverages. Standard business policies often contain exclusions that leave security companies dangerously exposed. The essentials include:

  • General Liability (GL): Covers third-party bodily injury and property damage (e.g., a guard accidentally breaks a client’s expensive gate).
  • Assault & Battery Coverage: This is arguably the most critical policy for a security firm. Standard GL policies often exclude claims involving physical altercations. If a guard uses force to remove a trespasser and the trespasser sues for injury, Assault & Battery coverage pays the legal fees and damages.
  • Professional Liability (Errors & Omissions): Covers financial damages resulting from a failure to perform your contracted duties. For example, if a guard falls asleep or abandons their post, resulting in a facility being burglarized.
  • Workers’ Compensation: Covers medical expenses and lost wages if a guard is injured on the job, a frequent occurrence in physical security roles.

The primary difference comes down to risk exposure, which directly impacts the types of coverage required and the cost of premiums.

  • Unarmed Guards: These guards rely on presence, observation, and communication to deter threats. Because their risk of causing severe bodily harm is lower, their insurance premiums are significantly cheaper. Coverage focuses heavily on general negligence, property damage, and slip-and-fall type liabilities.
  • Armed Guards: Because armed guards carry lethal weapons, the potential for catastrophic liability, including wrongful death lawsuits, is exponentially higher. Insurance premiums are drastically higher, and securing coverage requires specialized, high-limit policies that explicitly account for firearms use.

Insurance companies do not automatically write policies just because a guard carries a gun. To be insurable, an armed security operation must meet strict, ongoing underwriting guidelines:

  • Verified Licensing and Training: Carriers require proof that every armed guard possesses valid state licenses and has completed mandated firearms training. In many cases, carriers demand ongoing, documented range qualifications.
  • Environment Matching: Insurers evaluate where the armed guards are deployed. High-risk environments (banks, jewelry stores, dispensaries) are standard for armed guards. However, placing an armed guard in a low-risk environment (like an elementary school or a quiet residential lobby) can actually increase liability, and some carriers may refuse to cover armed deployments they deem unnecessary.
  • Policy Exclusions: Even with armed coverage, there are strict exclusions. If a guard uses their firearm while committing a criminal act, or if an incident is classified as an act of war or terrorism, the insurance policy will typically not pay out.

Executive Protection (EP) often referred to as bodyguard services, involves securing high-profile individuals, celebrities, or corporate executives. This fundamentally changes the risk profile from protecting property to protecting a highly valuable person.
Because the stakes are so high, EP firms require uniquely tailored insurance:

  • Massive Umbrella Limits: The financial liability of a high-net-worth individual being injured or killed while under your protection is astronomical. EP firms require high-limit Umbrella policies stacked on top of their base coverages.
  • Commercial Auto/Fleet: EP agents frequently drive their clients to avoid threats. Personal auto insurance will not cover an agent while working, making robust commercial auto liability non-negotiable.
  • Worldwide Coverage: Because VIPs travel internationally, EP insurance policies often must extend beyond domestic borders to cover incidents that happen overseas.

If a mass casualty or active shooter event occurs at a location your firm is contracted to protect, the security company will almost inevitably be sued by the victims and the property owner for failing to prevent or stop the attack.

Security firms need dedicated Active Shooter Liability (or Active Assailant) Coverage because standard General Liability policies often cap out quickly or explicitly exclude terrorism and mass casualty events. Active Shooter policies specifically step in to cover:

  • Legal defense costs and liability settlements resulting from the incident.
  • Medical, psychiatric, and counseling care for victims.
  • Crisis management and public relations costs to help the security firm navigate the intense media scrutiny and reputational damage that follows a highly publicized tragedy.

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Contact our team of specialized experts today to learn more about how we can secure your enterprise through our deep industry knowledge and collaborative risk strategies.

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