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Security Industry Risks Insurance Program from CoverXSpecialty CoverXSpecialty offers a focused Security Industry Risks Insurance program designed for the operational and liability exposures faced by firms in the security and life-safety sectors. Built around niche underwriting expertise, this non-admitted program helps independent agents and brokers place businesses such as security guard services, armored car operators, alarm and fire suppression contractors, and private investigators. Backed by First Mercury Insurance Company, the program is available in most U.S. states and provides flexible solutions for hard-to-place or higher-risk accounts. Underwriting emphasizes real-world operations, training, and loss control rather than one-size-fits-all pricing. Ideal Accounts and Target Classes The program targets businesses that provide protective services or install and maintain safety-related systems. Typical classes include: Armed and unarmed security guard companies Private investigation firms Armored car and valuables transport services Commercial and residential alarm system contractors Fire suppression system contractors and installers Example fits: you might have a regional security patrol firm with multiple municipal and retail contracts, or a commercial fire suppression installer expanding into multi-tenant office buildings. Those accounts with documented training programs, clear licensing, and formal operating controls are strong candidates. Coverage Highlights and Advantages CoverXSpecialty’s Security Industry Risks Insurance program combines general liability and professional liability forms adapted for security operations and life-safety contractors. Key advantages include: General Liability and Professional Liability tailored to protective services and system installers Underwriting that can accommodate armed exposures and elevated-risk activities, subject to review Customizable endorsements to meet contractual or venue requirements Solutions for both new ventures with experienced leadership and established operators Underwriting Notes and Minimum Premiums Minimum premiums vary by account size, location, and activity mix. Underwriters focus on experience, training and certification programs, client mix, operational controls, and loss history. Accounts with weak loss-control practices, incomplete licensing, or extensive recent losses may not qualify or may require enhanced risk management conditions. Territories and Availability This non-admitted program is available in most U.S. states, including: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With CoverXSpecialty? As a specialized general agency, CoverXSpecialty focuses on niche commercial programs supported by strong carrier relationships. You’ll get access to an underwriting team experienced in security and life-safety exposures, responsive service for submissions and endorsements, and placement capacity through a top-rated carrier. The program is intended to help agents find practical solutions for complex, high-exposure, or underserved security accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include security guard services, alarm and fire suppression contractors, armored car companies, and private investigators—particularly those with documented training, licensing, and operational controls. Is this program available on an admitted basis?No. This program is offered on a non-admitted basis through First Mercury Insurance Company. Can new ventures apply for coverage?Yes. New ventures are eligible when they have experienced leadership, solid operational procedures, and verifiable risk-management practices. Are armed security operations eligible?Yes. The program can accommodate armed exposures, subject to careful underwriting review of training, licensing, weapons policies, and background screening. Which states is this program available in?This program is available in most U.S. states, including CA, FL, TX, NY, and many others. See the full list above for complete availability. Need help placing an account? Connect with a market specialist.

Policy Highlights for Security Company Insurance: Colonial General Insurance can now provide our clients with access to coverage solutions for their security company categorized risks. Commercial General Liability Coverage available for Security Company Insurance: Our Commercial Auto department currently does not have a market for any security companies with armed guards. We offer liability coverage up to $1,000,000 CSL. Physical damage coverage is available with deductible options ranging from $500 to $5,000. Radius options up to 500 miles are available for eligible risks. Overview of the Program From Colonial General Insurance This Security Company Insurance program is designed for independent agents and brokers who place general liability and commercial auto-related risk for private security firms, unarmed guard services, and security support operations. Colonial General Insurance acts as a managing general agency and excess & surplus lines broker, giving you access to flexible non-admitted markets and some admitted options depending on state and risk profile. Ideal Accounts and Appetite Unarmed guard firms providing mobile patrols, event security, residential/retail patrols, concierge/door staff, and alarm response (depending on scope). Small-to-mid sized operations with clear hiring, training, and background screening procedures. Clients with mixed exposures—liability, hired/non-owned auto exposure, and optional physical damage for company vehicles—are a good fit. Accounts that typically do not fit this program include companies that rely primarily on armed guards (see commercial auto limitation), high-frequency use of heavy armored transport, or clients with a poor loss history or lacking basic risk controls. Coverage Highlights and Advantages General liability limits up to $1,000,000 CSL to cover third-party bodily injury and property damage. Physical damage options (comprehensive and collision) with a range of deductible selections to match client budgets and tolerances. Radius extensions up to 500 miles for eligible mobile patrol and transport exposures—helpful for multi-site or regional operations. Access to both admitted (where available) and excess & surplus capacity through Colonial General’s market relationships. Underwriting Notes and Minimum Premiums Underwriting considers claims history, employee screening and training, supervision, vehicle fleets and usage, contract wording, and client site exposures. Because markets and available terms vary by state and carrier, minimum premiums and specific binding authority are determined at submission. Provide complete applications, driver lists, vehicle schedules, and current loss runs to accelerate review. Example Scenarios You might have a small security company that provides unarmed mobile patrols for retail centers with a fleet of three vehicles and routine alarm response—this program can provide GL and physical damage with a tailored deductible and a radius extension. A concierge-style security provider for a residential community with background-checked staff and formal training programs could qualify for admitted or non-admitted appetite depending on state placement and loss history. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Placement will depend on admitted availability in the state and the specific carrier appetite; Colonial General manages placement across both admitted (where offered) and excess & surplus markets. The program currently lists "Some Available Markets" for admitted capacity and works with varying carriers. Why Work With Colonial General Insurance on This Business Colonial General offers focused distribution for security company risks through MGA and E&S broking expertise. Agents benefit from flexible deductible options, competitive radius terms for mobile operations, and access to markets that understand the unique exposures security firms present. Submissions with clear documentation and well-defined risk controls receive faster consideration and more favorable placement options. Frequently Asked Questions What types of security companies are a good fit for this program?Unarmed guard firms, mobile patrol providers, concierge/door staff, and similar operations with documented hiring and training practices are the primary targets. High-risk armed guard operations are generally not eligible for commercial auto through this program. Can I place accounts with armed guards?The program’s Commercial Auto department does not currently accept security companies that employ armed guards. Liability-only options may be explored on a case-by-case basis, but expect stricter underwriting and limited market capacity. How does the radius extension work and when is it useful?Radius options up to 500 miles can be added for eligible mobile patrol and transport operations to extend coverage territory for scheduled vehicles or services. This is useful for clients servicing multiple sites across a region—underwriting will evaluate distance, travel patterns, and controls. What submission materials speed up underwriting?Provide a completed application, current loss runs (typically 3–5 years), driver lists and MVRs for vehicle exposures, vehicle schedules, client contracts, and written hiring/training policies. Clear documentation helps Colonial General identify the best market quickly. Need help placing an account? Connect with a market specialist.

The Mechanic Group "rewrote the book" in 1989 to offer private security companies a better alternative to private security insurance that was currently being offered. We sought to change everything that was not working. Premiums were too high. Coverage was either wrong or inadequate. Levels of service and understanding had not been gauged to meet the unique needs of the private security industry. Our commitment as a private security insurance specialist is as solid today as it was when we were founded. We protect private security companies' businesses with stable insurers and client-friendly risk management and loss control tools that can be adopted in all 50 states: Business Liability including Errors and Omissions Commercial Liability Policy Form Workers Compensation and Employers Liability Umbrella Fidelity Bond - Employee Dishonesty Employment Related Practices Property Surety Bonding We deliver quick and reliable responses to all private security insurance quote requests, because we believe it should be simple for brokers to obtain quotations for their clients. Visit our website to learn more about our leading program for your private security, investigative, background screening and alarm installation and monitoring insureds.

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.

The Mechanic Group was founded in 1989 and has grown into the leading provider of Private Security Guard Insurance in the United States. We specialize in all aspects of physical security insurance. We deliver insurance plans that include specialized broad form coverage endorsements that protect your Private Security Guard Insurance clients' businesses and their bottom lines. Our exclusive insurance programs utilize "A" or better A.M. Best rated insurers: Business Liability including Errors and Omissions Commercial Liability Policy Form Workers Compensation and Employers Liability Umbrella Fidelity Bond - Employee Dishonesty Employment Related Practices Property Surety Bonding Visit our website to learn more about our leading program for your private security, investigative, background screening and alarm installation and monitoring insureds.

Allied American Underwriters (AAU) is a specialty product provider and commercial lines program manager. Currently, there are five divisions: Workers Compensation, Programs, Environmental, Personal Lines, and Bonds. AAU can consider standard workers' comp, hazardous workers' comp, staffing workers' comp, USL&H workers' comp, and large account workers' comp. Programs consist of Commercial Storage Tanks, Dealers Storage Tanks, Dance Schools, Educational Institutions, Non-Profit and Human Services, Religious Institutions, Security and Alarm, Special Events, and Youth & Adult Team Sports. AAU takes great pride in playing an integral part in the growth of your agency to develop a book of business together. AAU is a division of USG Insurance Services, Inc., a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. AAU's flagship office is located in Canonsburg, Pennsylvania. Alarm Installation Alarm Monitoring Detective Agencies Janitorial Companies Private Investigators Security Guards