Ryan Specialty National Programs

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Ryan Specialty National Programs

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Security Guard Insurance

Insurance for Security Guards

Ryan Specialty National Programs offers a dedicated insurance solution for security guard operations across the country. Designed for retail agents and brokers, our exclusive Security Guard Insurance Program provides tailored coverage for both armed and unarmed personnel working in a range of environments. Whether your client is guarding industrial sites, patrolling neighborhoods, or fulfilling government contracts, we offer the underwriting expertise and market access you need to place this specialized business confidently.

Ideal Accounts and Target Classes

We focus on writing accounts for professional security guard services operating in a wide variety of sectors. Our target classes include:

Armed and unarmed security guard firms
Industrial facilities
Educational and medical institutions
Mid- to high-income residential housing
Banks and financial institutions
Office and commercial buildings
Construction sites
Patrol service providers
Government contracts (county, state, and federal)

If you're working with a client providing patrol services for gated communities or staffing guards at construction sites, this program is built to meet their needs.

Coverage Highlights and Advantages

Our program offers broad coverage designed to address the operational risks faced by security professionals. Available coverages include:

General Liability & Professional Liability

Errors & Omissions Endorsement
Lost Key Coverage
Care, Custody, and Control Coverage
Personal Injury Protection
Assault and Battery Coverage (subject to underwriting approval)

Workers’ Compensation

Available in most states
Monoline option available
Guaranteed cost programs

Excess / Umbrella Liability

In-house binding authority up to $10,000,000

Additional lines available include:

Commercial Auto
Crime
Property
Inland Marine

Underwriting Notes and Minimum Premiums

We offer competitive pricing with a minimum premium of $2,500 for General Liability. To submit an account, please include:

Completed Supplemental Application
ACORD Applications
Five years of currently valued loss runs

Each submission is reviewed by our experienced underwriting team, who specialize in the unique exposures of the security industry.

Territories and Availability

Our Security Guard Insurance Program is available nationwide, including all 50 states and the District of Columbia. Regardless of where your client operates, we can help you secure the appropriate coverage through our non-admitted markets.

Why Work With Ryan Specialty National Programs?

As a national program administrator with access to multiple carriers, Ryan Specialty National Programs brings deep industry knowledge and market access to your security guard accounts. Our team understands the nuances of this sector and is equipped to help you place both straightforward and complex risks efficiently. We offer responsive service, flexible underwriting, and strong carrier relationships to support your success.

Ready to learn more? Contact us today to discuss how our Security Guard Insurance Program can help you grow your book of business.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Armed and unarmed security guard firms serving industrial, commercial, residential, and government sectors are ideal candidates.

Is Workers’ Compensation available as a standalone policy?

Yes, monoline Workers’ Compensation coverage is available in most states.

What is the minimum premium for General Liability coverage?

The minimum premium for General Liability is $2,500.

Are government contracts eligible for coverage?

Yes, we consider accounts servicing county, state, and federal contracts.

What information is required to submit a quote?

Submissions should include a completed supplemental application, ACORD forms, and five years of currently valued loss runs.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Program Administrator

Admitted:

No States

Carriers:

Carrier Ratings:

-

Commission:

Competitive

Min Premium:

GL: $2,500

Coverages:

Detective or Patrol Agencies Insurance Detective, Patrol and Security Guards Insurance Private Security Patrols Insurance Private Security Providers Insurance Security Consultants, Guards Insurance Security Firms Insurance Security Guard and Private Investigator Insurance Security Guard Insurance Security Guard Package Program Insurance Security Guards General Liability Insurance

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Ryan Specialty National Programs has other insurance programs like Alarm Companies Insurance.

Ryan Specialty National Programs

Ryan Specialty National Programs

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Security Guard Insurance

Ideal Accounts and Target Classes

Coverage Highlights and Advantages

Underwriting Notes and Minimum Premiums

Territories and Availability

Why Work With Ryan Specialty National Programs?

Frequently Asked Questions

What types of accounts are a good fit for this program?

Is Workers’ Compensation available as a standalone policy?

What is the minimum premium for General Liability coverage?

Are government contracts eligible for coverage?

What information is required to submit a quote?

U.S. States Available