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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.

Insurance for Security Guards Ryan Specialty National Programs offers a dedicated insurance solution for security guard operations across the country. Designed for retail agents and brokers, our exclusive Security Guard Insurance Program provides tailored coverage for both armed and unarmed personnel working in a range of environments. Whether your client is guarding industrial sites, patrolling neighborhoods, or fulfilling government contracts, we offer the underwriting expertise and market access you need to place this specialized business confidently. Ideal Accounts and Target Classes We focus on writing accounts for professional security guard services operating in a wide variety of sectors. Our target classes include: Armed and unarmed security guard firms Industrial facilities Educational and medical institutions Mid- to high-income residential housing Banks and financial institutions Office and commercial buildings Construction sites Patrol service providers Government contracts (county, state, and federal) If you're working with a client providing patrol services for gated communities or staffing guards at construction sites, this program is built to meet their needs. Coverage Highlights and Advantages Our program offers broad coverage designed to address the operational risks faced by security professionals. Available coverages include: General Liability & Professional Liability Errors & Omissions Endorsement Lost Key Coverage Care, Custody, and Control Coverage Personal Injury Protection Assault and Battery Coverage (subject to underwriting approval) Workers’ Compensation Available in most states Monoline option available Guaranteed cost programs Excess / Umbrella Liability In-house binding authority up to $10,000,000 Additional lines available include: Commercial Auto Crime Property Inland Marine Underwriting Notes and Minimum Premiums We offer competitive pricing with a minimum premium of $2,500 for General Liability. To submit an account, please include: Completed Supplemental Application ACORD Applications Five years of currently valued loss runs Each submission is reviewed by our experienced underwriting team, who specialize in the unique exposures of the security industry. Territories and Availability Our Security Guard Insurance Program is available nationwide, including all 50 states and the District of Columbia. Regardless of where your client operates, we can help you secure the appropriate coverage through our non-admitted markets. Why Work With Ryan Specialty National Programs? As a national program administrator with access to multiple carriers, Ryan Specialty National Programs brings deep industry knowledge and market access to your security guard accounts. Our team understands the nuances of this sector and is equipped to help you place both straightforward and complex risks efficiently. We offer responsive service, flexible underwriting, and strong carrier relationships to support your success. Ready to learn more? Contact us today to discuss how our Security Guard Insurance Program can help you grow your book of business. Frequently Asked Questions What types of accounts are a good fit for this program?Armed and unarmed security guard firms serving industrial, commercial, residential, and government sectors are ideal candidates. Is Workers’ Compensation available as a standalone policy?Yes, monoline Workers’ Compensation coverage is available in most states. What is the minimum premium for General Liability coverage?The minimum premium for General Liability is $2,500. Are government contracts eligible for coverage?Yes, we consider accounts servicing county, state, and federal contracts. What information is required to submit a quote?Submissions should include a completed supplemental application, ACORD forms, and five years of currently valued loss runs. Need help placing an account? Connect with a market specialist.

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.

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In an industry filled with unique risks, our clients and independent producers nationwide have come to depend on the security of an experienced leader. Program Overview from CoverXSpecialty: CoverXSpecialty brings decades of experience to the Security Guard Insurance marketplace. Since 1973, our team has specialized in placing coverage for a wide array of security-related businesses. As a general agency and carrier operating nationwide, we offer a strong solution for agents and brokers seeking reliable markets for their security clients—especially those with complex or higher-risk operations. Eligible Operations: • Armed and unarmed security guard firms • Armed and unarmed private investigative/detective firms • Armored car services • Janitorial services Coverage Highlights and Advantages: Our program offers a robust suite of coverages tailored to the security industry’s exposures. Whether your client operates a high-profile guard service or a regional janitorial company with specialized access risks, we can help you build a customized solution. Commercial General Liability Commercial Excess & Umbrella (limits up to $10,000,000) Business Automobile Commercial Property Workers’ Compensation Fidelity Bonds Errors & Omissions coverage available We offer flexible program structures including large deductible and SIR options, and our full-service claims team has deep experience with security guard risks. Loss control services are also available to help improve risk profiles and manage claims trends. Underwriting Approach and Minimum Premiums: CoverXSpecialty has a broad risk appetite and works to provide fast quote turnaround and prompt policy issuance. We have no minimum premium requirement, making our program accessible to both large firms and smaller operations. Each submission is centrally processed by our team to ensure consistency and speed. Accounts are reviewed on a case-by-case basis, with coverage tailored to fit the specific exposures of each operation. Our team is equipped to handle both standard and harder-to-place accounts. Territories and Availability: This program is available in all U.S. states, including Washington, D.C. Please note that coverages are offered on a non-admitted basis. We help agents navigate this process and provide the support needed to place business efficiently. Why Work With CoverXSpecialty? Agents choose CoverXSpecialty for our deep industry knowledge, reliable service, and flexible underwriting. With a long-standing focus on security services and related industries, we understand the challenges your clients face and the types of protection they need. Whether you're looking to place a new security guard firm or a long-time client expanding into investigative services, our team is ready to support you. Example scenarios we commonly handle include: A licensed armed guard firm providing overnight protection for retail centers An investigative agency conducting surveillance work for legal clients An armored car service with a multi-state transport operation We are committed to helping you grow your book in the security sector through responsive service, competitive coverage, and expert support. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for armed and unarmed security guard firms, private investigators, armored car services, and janitorial operations with security-related duties. Is there a minimum premium required to submit an account?No, this program has no minimum premium, making it accessible for both small and large operations. What is the turnaround time for quotes?CoverXSpecialty offers fast quote turnaround. Most submissions are reviewed promptly through our centralized processing system. Is the program available in all states?Yes, the Security Guard Insurance program is offered in all U.S. states and Washington, D.C., on a non-admitted basis. Are large deductible or SIR options available?Yes, we offer large deductible and self-insured retention options to accommodate clients with more complex risk management needs. Need help placing an account? Connect with a market specialist.

Security Guards & Private Investigators Insurance Program from Bailey Special Risks, Inc. Conducting investigations, background checks, and surveillance work can expose your clients to significant liability risks. Whether you're working with a one-person operation or a nationwide security firm, Bailey Special Risks, Inc. (BSR) offers tailored General and Professional Liability solutions specifically designed for security professionals. Through A.M. Best A-rated carrier First Mercury Insurance Company, BSR delivers non-admitted coverage that meets the unique needs of armed and unarmed security guards, private investigators, patrol agencies, and armored car personnel. Ideal Accounts and Underwriting Appetite This program is well-suited for a wide range of security-related businesses, including: Independent armed or unarmed security guards Private investigation firms Patrol service companies Armored vehicle services New ventures and established operations alike You might be working with a client launching a new security patrol service or looking to place coverage for a long-standing private investigations firm with multiple field agents. BSR’s flexible underwriting approach allows you to accommodate both scenarios and everything in between. Coverage Highlights and Advantages The Security Guards & Private Investigators program offers comprehensive protection against the everyday exposures your clients face. Coverage options include: Bodily Injury and Property Damage Personal Injury and Theft Assault & Battery – critical for high-risk security work Errors & Omissions – protects against professional mistakes Punitive Damages – where insurable by law Lost Key Coverage Blanket Additional Insureds and Waiver of Subrogation options BSR also provides a full range of deductible or Self-Insured Retention (SIR) choices, giving agents flexibility to match policy structures with client risk tolerance and budget. Program Features and Minimums There is no minimum account size—BSR can accommodate everything from individual operators to national security firms. Whether placing new business or moving an established account with claims history, BSR is equipped to provide competitive solutions. Territories and Availability This program is available on a non-admitted basis in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc.? BSR is a seasoned wholesale broker with deep experience in placing coverage for niche and high-risk classes. Their specialized focus on security-related risks means you get knowledgeable underwriting, responsive service, and access to strong markets like First Mercury. Whether you're placing a simple guard policy or a complex risk with multiple exposures, BSR helps you deliver tailored solutions quickly and effectively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for armed and unarmed security guards, private investigators, patrol services, and armored car personnel, from solo operators to national firms. Can I place new ventures or startups through this program?Yes, BSR accepts new businesses as well as established operations. Startups with solid business plans are welcome. Is Assault & Battery coverage included?Yes, Assault & Battery is included, which is especially important for clients working in higher-risk environments. Are there deductible or SIR options available?Yes, the program offers a full spectrum of deductible and Self-Insured Retention (SIR) options to suit your client’s needs. In which states is this program available?The program is available in over 40 states, including CA, TX, FL, NY, and others. Please refer to the full list above for all eligible states. 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.