Specialized coverage for use-of-force incidents, physical restraint claims, and confrontation liability in security operations.
Coverage
Assault & Battery Insurance for Security Companies
Assault and battery liability insurance covers physical confrontations involving your security guards. This fills a critical gap that general liability policies often exclude, protecting your company when guards need to physically intervene, restrain individuals, or use force to protect people and property.
What It Covers
Assault and battery insurance covers claims from physical confrontations involving your guards. This includes excessive force allegations, injuries during altercations, and wrongful detention claims.
The coverage applies whether the guard's actions were authorized or unauthorized. Defense costs are a significant component, as even justified use-of-force cases can cost $50,000 or more in legal fees.
Why This Coverage Is Essential
Physical confrontations are inherent in security work. General liability policies typically exclude assault and battery as intentional acts, creating a dangerous coverage gap.
Smartphone video and body camera footage has increased the frequency of use-of-force claims against security guards. Incidents that once went unreported now generate lawsuits and public scrutiny.
Key Coverage Features
- ●Coverage for excessive force and unreasonable restraint claims
- ●Wrongful detention and false imprisonment allegations
- ●Defense costs for justified and unjustified use-of-force incidents
- ●Guard actions that general liability excludes as intentional acts
- ●Third-party bodily injury from confrontations at client sites
- ●Bystander injuries during security interventions
- ●Incidents at bars, nightclubs, events, and high-risk venues
Frequently Asked Questions
Industries That Need This Coverage
Helpful Resources
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