Coverage for patrol vehicles, mobile security units, and fleet operations across your service area.
Coverage
Commercial Auto Insurance for Security Companies
Security companies that operate patrol vehicles, escort cars, or any vehicles used in the course of business need commercial auto insurance. Whether your guards drive marked patrol units through residential communities, unmarked vehicles for executive protection, or personal vehicles to reach client sites, commercial auto liability protects your company when an accident occurs.
What It Covers
Commercial auto insurance covers liability for bodily injury and property damage caused by vehicles used in your operations. This includes owned patrol vehicles, leased fleet units, hired vehicles, and non-owned vehicles such as personal cars that guards drive for business purposes.
Comprehensive and collision coverage protects your own vehicles against theft, vandalism, weather damage, and accident-related repairs.
Special Considerations for Security Fleets
Security patrol vehicles operate under conditions that differ significantly from typical commercial auto use. Guards may drive thousands of miles per month on patrol routes, often at night, in residential neighborhoods with limited lighting, or in industrial areas with challenging road conditions.
Vehicles used for executive protection may need to operate in motorcade formations or navigate crowded urban environments at speed. Hired and non-owned auto coverage is critical for companies whose guards use personal vehicles to travel between client sites.
Key Coverage Features
- ●Liability coverage for patrol vehicles, escort cars, and mobile security units
- ●Comprehensive and collision for owned fleet vehicles
- ●Hired and non-owned auto liability for personal vehicles used on business
- ●Uninsured and underinsured motorist coverage
- ●Medical payments coverage for driver and passenger injuries
- ●Coverage for equipment permanently installed in patrol vehicles
- ●Fleet discounts for companies operating multiple patrol units
Frequently Asked Questions
Industries That Need This Coverage
Get Covered
Share a Few Details and Let's Find the Right Coverage
Tell us about your security operation and our specialists will reach out with tailored coverage options. No obligation — just expert guidance from a team that understands the security guard industry.
Ready to Protect Your Security Company?
Our specialists understand security operations inside and out. Get coverage tailored to the way you run.