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For more than 25 years The Mechanic Group has specialized in delivering custom-built security guard insurance programs. Today we are the leading risk management partner to the security guard community. Our commitment as a security guard insurance specialist is as solid today as it was when we were founded. We protect security guards with stable insurers and client-friendly risk management and loss control tools that can be adopted in all 50 states. As the leading MGA writer for the Security Guard community, we offer our commitment to the agent and broker community. We deliver custom-built security guard insurance plans that include specialized broad form coverage endorsements at rates that protect your insured's businesses and bottom lines. Our service platform combines a thorough understanding of security guard agencies, creating a commitment to availability, quick response and attention to detail. In today's litigious climate, your insureds can align themselves with a high level of expertise and skill only The Mechanic Group can offer. Agents and brokers that turn to us for their security guard insurance needs have the security of knowing they will receive a comprehensive insurance plan at a competitive price. The Mechanic Group has a fully-staffed claims department available to assist clients who are able to track claims on a continuous basis. We deliver quick and reliable responses to all security guard insurance quote requests, because we believe is should be simple to obtain quotations for your clients. Visit our website to learn more about our leading program for your private security, investigative, background screening and alarm installation and monitoring insureds.

Sometimes the best defense is a good offense. The security industry provides this offense for their customers, so Veracity provides a good offense for the security industry. With our comprehensive GL and Professional options, our markets can't be beat. With Veracity's Security Services Liability Insurance program, your clients know they are getting the coverage they need. Overview of the Program from Veracity Insurance Solutions, LLC Veracity Insurance Solutions offers a focused Security Services Insurance program designed for agents who place risks for security contractors, alarm and access control installers, patrol agencies, and related classes. We deliver General Liability and Professional Liability (Errors & Omissions) solutions through our MGA and Excess & Surplus lines broking capabilities, pairing flexible policy forms with access to exclusive underwriters and markets. Coverage Highlights E&O included with many package options to protect against professional exposures Lost key coverage and Care, Custody & Control available for covered property exposures Vicarious liability wording to address subcontractor and employee-related claims Firearms coverage available with AM Best "A" rated carrier for qualified accounts All lines available except Workers Compensation Exclusive underwriters and varied carrier access to place difficult or niche risks Target Classes and Ideal Accounts Veracity’s appetite focuses on the core security and security-adjacent trades. Typical target classes include: Security guard services (armed and unarmed, with underwriting review for armed operations) Patrol agencies and mobile patrol services Fire and burglar alarm installation and service contractors CCTV, access control systems, and related low-voltage installation Home theater and home automation installers when bundled with security systems Other technology integrators performing monitoring, installation, or service work What This Program Helps Manage This program is designed to address the common exposures for security service providers: bodily injury and property damage from on-site operations, claims arising from negligent monitoring or system failures, lost keys or unauthorized access, theft or damage to customer property in care/custody/control, and allegations of improper performance (E&O). Underwriting Notes and Minimum Premiums Minimum premium: $1,200. Workers Compensation is not provided through this program; place WC separately per state requirements. Armed guard operations, high-value contracts, and accounts with significant subcontractor use require detailed underwriting. Firearms coverage is available but underwriter approval is required. Appetite is broad, but accounts with known criminal histories, repeated claims, or operations outside standard security services should be submitted with full loss runs and detailed risk controls. Territories and Availability Veracity places business nationwide. This program is available in: 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, WY Admitted status: All available markets (admitted and non-admitted placements may be used depending on state and account characteristics). Why Work with Veracity on Security Services Specialized underwriting for security trades—placed by an MGA and E&S broker experienced with these classes. Access to exclusive underwriters and AM Best "A" rated options for select coverages. Program wording that includes key endorsements agents commonly need, such as E&O and lost key coverage. Flexible state availability and the ability to place admitted or non-admitted paper as required. Underwriting support for complex risks and guidance on risk management expectations to improve placement success. Example Accounts You Might Place A regional alarm installation company that performs design, installation, and monitoring for residential and small commercial accounts. They need General Liability with E&O and lost key coverage — a good fit for package placement through Veracity. A mobile patrol agency seeking liability and firearms coverage for a small fleet of armed guards. With full staffing records, training documentation, and prior loss history, Veracity can submit to carriers that underwrite firearms exposure. Frequently Asked Questions What types of accounts are a good fit for Veracity’s Security Services program?Typical fits include security guard services, patrol agencies, alarm/CCTV/access control installers, and home automation or home theater installers that provide or service security systems. Accounts should have documented risk controls and standard contract provisions for security services. Is Errors & Omissions (E&O) included?Yes—E&O is included with many of the program’s package options. Exact terms and limits depend on the submission and underwriting approval. Are firearms exposures covered?Firearms coverage is available with select carriers (including AM Best "A" rated markets) but requires detailed underwriting. Provide staffing, training, weapon handling policies, and loss history when you submit armed operations. What is the minimum premium and are there placement restrictions?The program’s minimum premium is $1,200. Workers Compensation is not available through this program and must be placed separately. High-risk operations or accounts with adverse loss history may be referred or require specific underwriting conditions. Which states do you write in?Veracity can place risks in all listed states and DC across admitted and non-admitted markets as appropriate. State-specific rules may affect placement options; submit details and we’ll advise on the best market. Need help placing an account? Connect with a market specialist.

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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.

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.

BrownGuard® security professional insurance, developed by Brownyard Group over 50 years ago, provides specialized liability coverage tailored for the security guard industry. As one of the largest insurance providers in the U.S., Brownyard offers competitive pricing and comprehensive coverage for private security guard contractors, proprietary security guard contractors, governmental security contractors, executive protection contractors, and private security contractors for homeowners associations. BrownGuard® policies are backed by highly rated insurance carriers and are available through insurance agents and brokers at competitive premium rates.

For more than twenty five years, The Mechanic Group has been the leading MGA writer of Security Guard and Private Investigative risks. We have exclusive “Best In Class” Security Consultants Insurance programs with “A” or higher AM Best Rated carriers designed to meet the unique private insurance security coverage needs of such risks. Commercial Liability including Errors & Omissions, Assault & Battery, Broad Form Property Damage and Blanket Additional Insureds Umbrella Liability follow form over broad underlying liability form Workers Compensation Fidelity (Employee Dishonesty) Property & Auto Bid, Performance & Payment Bonding We deliver quick and reliable responses to all security consultants 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.

The Mechanic Group provides solid electronic security insurance coverage at competitive rates. Serving the law enforcement community since 1989 has enabled The Mechanic Group to develop a complete electronic security insurance program for companies that install and monitor electronic security systems. Because we believe it should be simple for brokers to obtain quotations for their clients, we deliver quick and reliable responses to all quote requests. Electronic security insurance plan enhancements include the following: Comprehensive Coverage Endorsement Alarm Errors & Omissions Broad Form Property Damage Lost Key Coverage We deliver quick and reliable responses to all electronic security insurance quote requests, because we believe is should be simple to obtain quotations for your clients. Visit our website to learn more about our leading program for your private security, investigative, background screening and alarm installation and monitoring insureds.