In an industry filled with unique risks, our clients and independent producers nationwide have come to depend on the security of an experienced leader.
Program Overview from CoverXSpecialty:
CoverXSpecialty brings decades of experience to the Security Guard Insurance marketplace. Since 1973, our team has specialized in placing coverage for a wide array of security-related businesses. As a general agency and carrier operating nationwide, we offer a strong solution for agents and brokers seeking reliable markets for their security clients—especially those with complex or higher-risk operations.
Eligible Operations:
• Armed and unarmed security guard firms
• Armed and unarmed private investigative/detective firms
• Armored car services
• Janitorial services
Coverage Highlights and Advantages:
Our program offers a robust suite of coverages tailored to the security industry’s exposures. Whether your client operates a high-profile guard service or a regional janitorial company with specialized access risks, we can help you build a customized solution.
- Commercial General Liability
- Commercial Excess & Umbrella (limits up to $10,000,000)
- Business Automobile
- Commercial Property
- Workers’ Compensation
- Fidelity Bonds
- Errors & Omissions coverage available
We offer flexible program structures including large deductible and SIR options, and our full-service claims team has deep experience with security guard risks. Loss control services are also available to help improve risk profiles and manage claims trends.
Underwriting Approach and Minimum Premiums:
CoverXSpecialty has a broad risk appetite and works to provide fast quote turnaround and prompt policy issuance. We have no minimum premium requirement, making our program accessible to both large firms and smaller operations. Each submission is centrally processed by our team to ensure consistency and speed.
Accounts are reviewed on a case-by-case basis, with coverage tailored to fit the specific exposures of each operation. Our team is equipped to handle both standard and harder-to-place accounts.
Territories and Availability:
This program is available in all U.S. states, including Washington, D.C. Please note that coverages are offered on a non-admitted basis. We help agents navigate this process and provide the support needed to place business efficiently.
Why Work With CoverXSpecialty?
Agents choose CoverXSpecialty for our deep industry knowledge, reliable service, and flexible underwriting. With a long-standing focus on security services and related industries, we understand the challenges your clients face and the types of protection they need. Whether you're looking to place a new security guard firm or a long-time client expanding into investigative services, our team is ready to support you.
Example scenarios we commonly handle 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 with a multi-state transport operation
We are committed to helping you grow your book in the security sector through responsive service, competitive coverage, and expert support.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for armed and unarmed security guard firms, private investigators, armored car services, and janitorial operations with security-related duties.
Is there a minimum premium required to submit an account?
No, this program has no minimum premium, making it accessible for both small and large operations.
What is the turnaround time for quotes?
CoverXSpecialty offers fast quote turnaround. Most submissions are reviewed promptly through our centralized processing system.
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 accommodate clients with more complex risk management needs.
Need help placing an account? Connect with a market specialist.