Detective or Security Guard Insurance
Detective / Patrol
Insurance Markets Agency Inc offers a specialized Detective and Security Guard Insurance program tailored for agencies providing armed or unarmed security personnel, with or without the use of animals. This program is designed to address the unique risks these businesses face, offering both Property and Liability coverage on a monoline or package basis.
Ideal Accounts and Appetite
This program is ideal for private detective agencies, patrol services, and security guard firms operating in a wide range of environments. Whether your client provides static guards for commercial buildings or mobile patrols for residential neighborhoods, we can help you find the right coverage. Accounts with or without canine units are eligible. Coverage is available for both armed and unarmed personnel.
CGL – Coverage Highlights:
- Primary limits up to $3,000,000 occurrence/aggregate
- Medical Payments Coverage: $5,000 included
- Assault and Battery included at policy limits; sublimits available with reduced rates
- Errors and Omissions coverage available
- Lost Key Coverage included at $25,000 limit
- Property Damage Extension (Care, Custody, and Control): $5,000/$25,000 limit
- Additional Interests: $100 each
- Excess or Umbrella limits available
A Loss Prevention Brochure is available to help your clients reduce claims and exposures.
Property Coverage Options:
- Building coverage
- Business personal property and contents
- Business Income protection
- Available on Basic, Broad, or Special Form
- Choice of Replacement Cost or Actual Cash Value
Crime Coverage Available:
- Theft of Money and Securities (Inside the Premises)
- Robbery and Safe Burglary of Other Property
- Theft and Robbery Outside the Premises
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on account size, services provided, and coverage selected. We work with multiple carriers to provide flexible options for qualifying risks.
Territories and Admitted Status
This program is available in Pennsylvania and New Jersey. Coverage is written on a non-admitted basis, allowing for greater flexibility in underwriting and tailored coverage solutions.
Why Work With Insurance Markets Agency Inc?
As a Managing General Agency with access to a range of specialty markets, Insurance Markets Agency Inc understands the security and investigation industry. We help agents and brokers place hard-to-insure accounts with the right coverage and carrier fit. Our team is responsive, and we provide the tools and support you need to confidently serve your clients in this niche space.
For more information about our Detective or Security Guard Insurance program or other specialty solutions offered by Insurance Markets Agency Inc, please contact us directly at 570-586-1471.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for security guard firms, patrol services, and private detective agencies—whether they use armed or unarmed personnel, with or without canine units.
Is this program available on an admitted basis?
No, this program is placed on a non-admitted basis, which allows for greater flexibility in coverage and underwriting.
What states is the program available in?
This Detective or Security Guard Insurance program is currently available in Pennsylvania and New Jersey.
Can I package liability and property coverage together?
Yes, coverage is available on a monoline or package basis, depending on your client's needs.
Are there specific underwriting requirements or minimum premiums?
Minimum premiums vary based on risk factors such as services offered, number of employees, and coverage limits. Contact Insurance Markets Agency Inc for underwriting guidance.
Need help placing an account? Connect with a market specialist.