What is Security Patrol?
Security patrol insurance is a type of business insurance designed to protect companies that provide security guard or patrol services. It helps cover risks associated with property damage, bodily injury, professional liability, and other exposures that come with securing properties, people, or events.
Who Needs It
This coverage is essential for companies that offer:
- Mobile patrol services
- On-site security guards
- Alarm response units
- Event or crowd control security
- Armed or unarmed services
Whether you're a solo security contractor or run a multi-employee agency, having the right insurance is critical for protecting your business and meeting client or state requirements.
What It Typically Covers
Security patrol insurance can include several types of coverage, such as:
- General liability: Covers third-party bodily injury or property damage claims.
- Professional liability: Protects against claims of negligence or failure to perform duties properly.
- Workers' compensation: Covers employee injuries sustained on the job (required in most states).
- Commercial auto: Covers vehicles used during patrol operations.
- Inland marine: Covers mobile equipment or gear in transit.
Common Exclusions and Limitations
While coverage is broad, there are limits. Common exclusions may include:
- Intentional acts or criminal behavior
- Claims related to personal disputes or harassment
- Use of unauthorized firearms or vehicles
- Security services performed outside listed areas of operation
Always review your policy carefully and speak with a licensed agent about your specific risks and needs.
Factors That Influence Cost
The cost of security patrol insurance depends on several factors, including:
- Number of employees and payroll size
- Type of services offered (armed vs. unarmed, mobile vs. stationary)
- Coverage limits and deductibles
- Business location and service areas
- Claims history and safety protocols
Proof of Insurance and Compliance
Most clients require proof of insurance before hiring a security company. Some states may also require specific coverage types or minimum limits for licensing or operation. Always keep your certificates of insurance (COIs) up to date and available for review.
How to Get a Quote
Ready to protect your security patrol business? Get a customized insurance quote today.
Frequently Asked Questions
Is security patrol insurance required by law?
Requirements vary by state and type of service. Some states require minimum coverage to obtain a security license.
What happens if a guard injures someone on duty?
General liability or professional liability coverage may help cover legal costs and damages, depending on the situation.
Does this insurance cover armed guards?
Yes, but you must disclose if your guards carry firearms. Additional underwriting may be required.
Can I add additional insureds to my policy?
Yes, most policies allow you to add clients or property managers as additional insureds if required by contract.
How soon can coverage start?
In many cases, coverage can start immediately after your application is approved and payment is submitted.
Still have questions? Talk to a local insurance expert.