Tailored coverage for unarmed guard operations protecting retail, commercial, residential, and industrial properties.
Unarmed Security
Insurance for Unarmed Security Companies
Unarmed security companies provide the backbone of the private security industry, staffing guard posts at retail stores, office buildings, residential communities, warehouses, and construction sites. While the absence of firearms reduces some risk categories, unarmed guard companies still face substantial liability from negligent security claims, wrongful detention, and employee disputes.
Core Coverage Needs
Unarmed security companies need a well-structured insurance program addressing the realities of putting guards on post at client locations. General liability covers third-party injuries and property damage. Professional liability protects against negligent security claims.
Workers' compensation is mandatory in most states and covers guard injuries from slips, falls, confrontations, and exposure to hazardous conditions.
Common Claims in Unarmed Security
The most frequent claims involve allegations of negligent security, slip-and-fall injuries at guard posts, wrongful detention claims, and property damage during patrols. Even without firearms, the frequency of these claims makes proper insurance essential.
Coverage We Recommend
- ●General liability at $1,000,000/$2,000,000 with personal injury coverage
- ●Professional liability for negligent security and failure-to-protect claims
- ●Workers' compensation with proper security guard classification codes
- ●Commercial auto for patrol vehicles and hired/non-owned auto
- ●Employment practices liability given high turnover rates
- ●Umbrella liability at $2,000,000 or higher
Frequently Asked Questions
Recommended Coverage
General Liability
Third-party bodily injury and property damage
Professional Liability
Negligent security and failure-to-protect claims
Workers' Compensation
Guard injury and occupational illness coverage
Commercial Auto
Patrol vehicles and fleet operations
Employment Practices
Wrongful termination and discrimination claims
Top States for Unarmed Security
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.