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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.

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In an industry filled with unique risks, agents and independent producers nationwide rely on the experience and stability of CoverXSpecialty. Program Overview from CoverXSpecialty: CoverXSpecialty brings decades of focused underwriting and placement experience to the Security Guard Insurance marketplace. Since 1973 our team has specialized in designing and placing coverage for a wide range of security-related businesses. As both a general agency and a carrier operating nationwide, we provide agents and brokers with reliable markets and tailored solutions — especially for accounts that are complex, higher-risk, or harder to place. Eligible Operations: • Armed and unarmed security guard firms • Armed and unarmed private investigative/detective firms • Armored car services • Janitorial services Coverage Highlights and Advantages: The CoverXSpecialty Security Guard program offers a comprehensive package designed around the industry’s common exposures. We help you assemble policies that reflect each client’s operations, staffing model, and contractual obligations. Commercial General Liability Commercial Excess & Umbrella (limits up to $10,000,000) Business Automobile Commercial Property Workers’ Compensation Fidelity Bonds Errors & Omissions coverage available Program flexibility includes large deductible and SIR options. Our full-service claims team has extensive experience handling security-related losses, and loss control services are available to help improve risk profiles and reduce claim frequency. Underwriting Approach and Minimum Premiums: CoverXSpecialty maintains a broad appetite for security industry risks and emphasizes quick, consistent turnaround on submissions. There is no minimum premium requirement, which allows placement of both small and large operations. Each account is reviewed on a case-by-case basis so coverages can be tailored to the client’s specific exposures. Our centralized processing and underwriting teams are set up to move accounts efficiently and to handle both standard accounts and those with more challenging characteristics. Territories and Availability: This Security Guard program is available in all U.S. states and Washington, D.C. Coverage is provided on a non-admitted basis. We work with agents to navigate non-admitted placements and to ensure the policy structure meets the client’s operational needs. Why Work With CoverXSpecialty? Agents choose CoverXSpecialty for deep security-industry knowledge, responsive service, and flexible underwriting. Our team understands the operational, contractual, and liability exposures security firms face and can craft packages that address those needs while remaining marketable. Typical scenarios we frequently place 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 operating multi-state transport routes If you have a client expanding services, moving to multi-state operations, or seeking higher limits and specialized endorsements, CoverXSpecialty can help you find an effective solution and support placement through to policy issuance and claims handling. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for armed and unarmed security guard firms, private investigators, armored car services, and janitorial operations that perform security-related duties. Is there a minimum premium required to submit an account?No. There is no minimum premium, so the program can accommodate both small operators and larger firms. What is the turnaround time for quotes?CoverXSpecialty offers fast quote turnaround. Most submissions are reviewed promptly by our centralized processing team. 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 support clients with more advanced risk management strategies. 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.

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.

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.