Specialized Security Insurance Solutions from CoverXSpecialty
CoverXSpecialty has been a trusted provider of risk solutions for the security industry for over 35 years. Through our CoverXSecurity program, we offer agents and brokers a comprehensive suite of general liability and professional liability coverage options tailored for a wide range of security service providers. Whether you're working with a new venture or an established firm, CoverXSpecialty delivers fast and reliable access to markets that understand the unique risks of the security industry.
Ideal Accounts and Appetite
Our program is designed specifically for businesses operating in the security space, including but not limited to:
- Security guard services (armed and unarmed)
- Private patrol and investigation companies
- Alarm installation and monitoring services
- Loss prevention and asset protection firms
- Executive protection and bodyguard services
Whether your client is a one-person operation or a large multi-state agency, CoverXSecurity can help you place these accounts effectively. We are open to new ventures, provided they meet underwriting guidelines, and we offer solutions for both standard and hard-to-place risks.
Coverage Highlights and Advantages
CoverXSecurity offers a full range of general liability and professional liability coverage lines crafted specifically for the exposures faced by security professionals. Key features include:
- Occurrence or claims-made general liability options
- Errors & Omissions (E&O) for professional security services
- Assault and battery coverage
- Firearms liability (where applicable)
- Blanket additional insureds and waiver of subrogation endorsements
- Optional inland marine, property, and excess liability available
We understand the operational risks faced by the security industry and provide coverage that addresses those exposures directly—allowing you to offer your clients peace of mind and operational stability.
Underwriting Notes and Minimum Premiums
Our experienced security underwriters review each submission carefully to ensure proper risk evaluation and coverage placement. While our program does not list a standard minimum premium, pricing is competitive and based on class, territory, payroll, and services provided. Fast turnarounds on quotes and policies are a cornerstone of our service model.
Territories and Availability
The CoverXSecurity program is available nationwide, including all 50 states and the District of Columbia. This is a non-admitted program, allowing for flexible underwriting and customized coverage solutions in jurisdictions where surplus lines placements are appropriate.
Why Choose CoverXSpecialty?
CoverXSpecialty is both a general agency and carrier partner, offering full-service capabilities including placement, policy issuance, and claims handling—all under one roof. Our in-house claims staff, provided through issuing carriers, ensures efficient service and peace of mind for both you and your insureds.
With over three decades of industry focus, CoverXSpecialty brings deep expertise, responsive service, and a national footprint to help you grow your security book with confidence. From small local firms to multi-state operations, we’re here to support your success in this niche market.
Frequently Asked Questions
What types of accounts are a good fit for the CoverXSecurity program?
We are a strong market for security guard firms, alarm companies, private investigators, and executive protection services—ranging from startups to large national operations.
Is the program available in all states?
Yes, CoverXSecurity is available in all 50 states and the District of Columbia on a non-admitted basis.
Can you write new ventures or startups?
Yes, we can consider new ventures depending on the nature of operations and adherence to underwriting guidelines.
What lines of coverage are included or available?
The program offers general liability, professional liability, assault and battery, firearms liability, and optional property, inland marine, and excess coverage.
How fast can I get a quote?
We pride ourselves on fast turnaround times. Most quotes are issued promptly upon receiving complete and accurate submissions.
Need help placing an account? Connect with a market specialist.