For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
J.M. Wilson Corp.
Contact Us
contact_phone Click to call
J.M. Wilson Corp.
Contact Us
contact_phone Click to call

Detective and Security Agency Insurance

J.M. Wilson is a trusted resource for Detective and Security Agency Insurance, providing comprehensive, commercial lines solutions tailored to the distinct exposures faced by private security professionals. This program suits agencies that provide armed or unarmed security personnel, private investigators, process servers, firearms training and certification schools, and independent claims adjusters with draft authority of $5,000 or less. Whether your client runs a single-site investigations firm or a multi-state patrol operation, J.M. Wilson can help you place the account with confidence and access both admitted and excess & surplus (non-admitted) options.

Ideal Accounts and Appetite

This program targets a broad spectrum of security-related businesses, including:
  • Armed and unarmed security guard firms
  • Private investigation services
  • Process serving companies
  • Firearms and security training schools
  • Independent claims adjusters (with limited draft authority)
You should consider this program when a client provides patrol services for commercial properties, performs background investigations, handles process service or courtroom support, or operates a training school. Typical fits include businesses with established procedures, licensed staff, and appropriate screening and training programs. High-risk accounts (for example, contracted protection at large-scale dangerous venues or operations with significant prior liability history) may require referral to specialty markets.

Coverage Highlights and Advantages

CGL for Detective and Security Agency Insurance
  • Primary limits up to $3,000,000 Occurrence/Aggregate
  • $5,000 Medical Payments Coverage – Included
  • Additional Interests – $100 each
  • General Liability Errors & Omissions BI/PD extension – Included
  • Assault & Battery included at policy limits – Sublimits available with rate reduction
  • Lost Key Coverage included ($25,000 limit) on Security and Patrol Program
  • Errors & Omissions Coverage Part available
  • Excess or Umbrella limits up to $20,000,000
Property Coverage
  • Building
  • Contents
  • Business Income
  • Basic, Broad, or Special Form
  • Replacement Cost or Actual Cash Value (ACV)
  • Accounts Receivable
  • Computer Equipment
  • Equipment Breakdown
  • Outside Signs
  • Valuable Papers
Crime Coverage
  • Inside the Premises – Theft of Money and Securities
  • Outside the Premises

Underwriting Notes and Market Access

J.M. Wilson represents a number of carriers, both admitted and non-admitted, giving you flexible placement options across standard and excess & surplus markets. Underwriting evaluates licensing, employee screening and training practices, use-of-force policies, payroll mix (armed vs. unarmed), and loss history. Minimum premiums and specific terms vary by class and state; J.M. Wilson’s underwriting team can quickly advise on appetite and available markets for each submission.

Territories and Availability

This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Coverage availability and admitted vs. non-admitted options may differ by state—consult underwriting for state-specific guidance.

Why Work With J.M. Wilson

As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson combines deep specialty commercial lines experience with access to A-rated markets and flexible E&S capacity. Agents benefit from experienced underwriters familiar with security and investigative exposures, responsive placement support, and tailored program structures that address both liability and property/crime needs.

Example Accounts

  • Small private investigation firm that conducts background checks and process serving, seeking combined GL and E&O with modest limits.
  • Regional security patrol company that employs both armed and unarmed guards, needs high primary limits and access to umbrella capacity.

Frequently Asked Questions

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

This program is ideal for private security firms, private investigators, process servers, firearms training schools, and claims adjusters with limited draft authority.

Are both armed and unarmed security services eligible?

Yes. The program accommodates both armed and unarmed security personnel, including patrol and on-site services; underwriting will review licensing, screening and training practices.

What coverage limits are available?

Primary general liability limits go up to $3 million Occurrence/Aggregate, with excess or umbrella options available up to $20 million.

Is Assault & Battery coverage included?

Yes. Assault & Battery coverage is included at policy limits; sublimits are available for a reduced rate in some markets.

In which states is this program available?

This program is offered in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Some Available Markets
  • Carriers:
  • Carrier Ratings:
    A rated or better
  • Commission:
    Varies
  • Min Premium:
    -

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

8036 Moorsbridge Road
Portage, MI 49024
800-666-5692
View Map

AGENCY LICENSING

To become an appointed agent with J.M. Wilson, the agency profile linked below is required. There is no premium volume requirement.
CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
J.M. Wilson Corp. has other insurance programs like Alarm Installation and Repair Insurance.