For over a decade, Costanza Insurance Agency, Inc. has focused exclusively on providing specialized insurance solutions for the security industry across the United States. As a Managing General Agency with deep expertise in this niche, we understand the unique liability exposures that security professionals face—and we’ve built our General Liability Insurance program to meet those specific needs.
Ideal Accounts and Appetite
We work with agents and brokers to place a wide range of security-related accounts. Our program is tailored for:
- Security Guards (armed and unarmed)
- Alarm Installation and Monitoring Companies
- Security Consultants
- Private Investigators
- Process Servers
- Polygraph Examiners
- Other Specialized Security Services
If you have clients operating in these sectors—even startups or firms with unique exposures—we’re ready to help you find the right coverage solution. For example, you may have a client who manages canine patrol units or offers armed escort services. We can offer specialized coverage enhancements that other markets may overlook.
Coverage Highlights and Advantages
Our Commercial General Liability (CGL) program includes a wide array of features designed specifically for the security industry. Key components include:
- Professional Liability / Errors & Omissions
- Bodily Injury and Property Damage
- Assault & Battery Coverage
- Employee Dishonesty
- Canine Liability Coverage
- Care, Custody & Control
- Firearms Liability
- Employees as Additional Insureds
- Contractual Liability
- Additional Insureds – Client-specific or blanket options
- Hired and Non-Owned Auto
- Waiver of Subrogation
- Primary & Noncontributory Wording
- Personal and Advertising Injury
We offer a broad range of limits and can usually tailor coverage to meet your client’s specific contract requirements. Ask us about available options—we likely have a solution ready.
Underwriting Notes and Minimum Premiums
Our underwriting is handled by experienced professionals who understand security operations. We can often provide terms quickly and efficiently with the right application and supporting documentation. Minimum premiums vary based on class, limits, and scope of operations—contact us for details on specific accounts.
Territories and Availability
We offer this program in most states, including but not limited to CA, TX, FL, NY, IL, and AZ. Our markets are available on an admitted basis in most states, providing added compliance and peace of mind for insureds.
Why Work With Costanza Insurance Agency?
Security insurance is our only business. By focusing exclusively on this sector, we provide unmatched underwriting insight, tailored coverage, and competitive pricing. We work with various carriers to find the right fit for your client’s needs—whether standard or more complex. Partner with us to streamline your quoting process and deliver real value to your insureds in the security services industry.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We specialize in insuring security professionals, including guards, alarm companies, consultants, private investigators, process servers, and polygraph examiners.
Is coverage available nationwide?
Yes, our program is available in most states, with admitted markets in many of them. Contact us to confirm availability in your client’s state.
Can you provide limits to meet contractual requirements?
Yes, we offer a wide range of liability limits and can tailor coverage to meet specific contract needs.
Do you offer coverage for armed guards or canine units?
Yes, our program includes options for firearms and canine liability, making it ideal for clients with specialized operations.
What is the minimum premium for this program?
Minimum premiums vary by class and coverage limits. Reach out with a submission for specific pricing.
Need help placing an account? Connect with a market specialist.