Insurance for Private Security Guard Companies & Security Firms
Leavitt Group Northwest helps private security guard companies—both armed and unarmed—control security guard insurance costs while strengthening liability protection. Our insurance programs are built specifically for the real-world risks security firms face, including use-of-force allegations, negligent security claims, employee injuries, and contract-driven insurance requirements.
From general liability insurance with assault & battery coverage to professional liability, workers’ compensation, and auto exposure, we design insurance for private security companies that protects your contracts, your personnel, and your reputation.
Control Your Costs: How Private Security Companies Save on Insurance
Security operations don’t stop after hours—and neither do the risks. Whether your officers are patrolling properties, staffing events, or providing armed protection, your security guard insurance must respond when incidents occur.
At Leavitt Group Northwest, we specialize in custom insurance programs for private security guard companies and security firms. Our team helps operators:
- Improve safety protocols and reduce claim frequency
- Control total insurance spend without sacrificing coverage
- Protect contracts, employees, and professional reputation
Whether you operate a small patrol unit or a multi-location security firm, our approach helps you lower costs while avoiding uncovered claims that can threaten your business.
Video: Why your Security Company may be paying too much for insurance
Critical Insurance Coverages for Private Security Guard Companies
Security companies face unique liability exposures—from third-party injuries to allegations of inadequate protection. Here’s how we help you stay properly covered.
General Liability Insurance for Security Guard Companies (Including Assault & Battery)
General liability insurance is the foundation of security guard insurance, but many firms don’t realize their policies exclude assault & battery claims.
Examples:
A guard restrains an individual during an incident, a patron alleges excessive force, or a bystander is injured during an intervention. We structure policies so assault & battery coverage responds when force-related allegations arise.
Professional Liability (Errors & Omissions) Insurance for Security Companies
Professional liability insurance protects against claims that your company failed to perform security services as expected.
Examples:
A client alleges negligent security after a theft, assault, or property damage incident. Claims may involve inadequate patrols, failure to monitor, or improper staffing. E&O insurance for security companies addresses these high-severity lawsuits.
Workers’ Compensation Insurance for Security Guards
Security personnel face elevated injury risks due to physical confrontations, slips and falls, vehicle incidents, and—when applicable—firearm exposure.
Workers’ compensation insurance covers medical expenses, lost wages, and recovery costs, while protecting the business from employee lawsuits. Proper classification is critical, especially for armed security guards, to avoid audits, penalties, and denied claims.
Commercial Auto & Hired / Non-Owned Auto Insurance for Security Companies
Even if your company doesn’t own vehicles, auto liability exposure often exists.
Examples:
Guards driving personal vehicles between sites, responding to calls, or operating patrol vehicles can trigger liability claims that exceed personal auto limits. Proper commercial auto and hired/non-owned coverage prevents accidents from becoming uninsured losses.
What Factors Drive Security Insurance Costs?
Security guard insurance premiums are highly sensitive to operational details. Our team works with you to structure coverage that balances cost, compliance, and protection.
Key rating factors include:
- Type of Security Operations
Armed vs. unarmed services, patrol frequency, and use-of-force exposure all impact underwriting. - Client Profile & Locations
High-risk venues, public-facing assignments, and 24/7 operations increase exposure. - Claims History
Prior incidents—especially force-related claims—directly affect insurance costs for private security companies. - Coverage Limits & Endorsements
Higher limits and contract-required endorsements increase protection but must be structured correctly. - Payroll & Classification Accuracy
Misclassified guards are one of the most common causes of audits, penalties, and denied claims.
Articles & Advice for Security Guard Professionals
Explore our collection of practical, real-world articles created for security company owners. Each piece offers insights from Rob & Garrett, who work closely with operators like you to navigate risk, insurance, and business growth.
Your Partner in Protection
Our team doesn’t just place policies—we partner with you to protect your business. By combining deep industry expertise with personalized service, we help security companies manage risk, control insurance costs, and stay contract-ready.
If you want security guard insurance built for real-world exposure—not generic coverage—let’s talk.
Get Your Custom Quote Today
Why spend hours getting quotes from multiple insurance companies when we can do it for you?
1 - Submit a Quick Contact Form.
Leave your contact information and details about your business. It only takes a minute, and we'll take it from there.
2 - We Reach Out to Learn More.
Rob will contact you to gather any more details he needs.
3 - We Shop the Market For You.
We contact multiple carriers and find the best match for your insurance need and budget.
4 - You Choose with Confidence.
We walk you through your top options, explain the fine print, and help you pick the right plan.
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