Security Guard Insurance

CoverXSpecialty brings decades of focused underwriting and placement experience to the Security Guard Insurance marketplace. Since 1973 our team has specialized in designing and placing coverage for a wide range of security-related businesses. As both a general agency and a carrier operating nationwide, we provide agents and brokers with reliable markets and tailored solutions — especially for accounts that are complex, higher-risk, or harder to place.

The CoverXSpecialty Security Guard program offers a comprehensive package designed around the industry’s common exposures. We help you assemble policies that reflect each client’s operations, staffing model, and contractual obligations.

• Commercial General Liability
• Commercial Excess & Umbrella (limits up to $10,000,000)
• Business Automobile
• Commercial Property
• Workers’ Compensation
• Fidelity Bonds
• Errors & Omissions coverage available

Program flexibility includes large deductible and SIR options. Our full-service claims team has extensive experience handling security-related losses, and loss control services are available to help improve risk profiles and reduce claim frequency.

CoverXSpecialty maintains a broad appetite for security industry risks and emphasizes quick, consistent turnaround on submissions. There is no minimum premium requirement, which allows placement of both small and large operations. Each account is reviewed on a case-by-case basis so coverages can be tailored to the client’s specific exposures.

Our centralized processing and underwriting teams are set up to move accounts efficiently and to handle both standard accounts and those with more challenging characteristics.

This Security Guard program is available in all U.S. states and Washington, D.C. Coverage is provided on a non-admitted basis. We work with agents to navigate non-admitted placements and to ensure the policy structure meets the client’s operational needs.

Agents choose CoverXSpecialty for deep security-industry knowledge, responsive service, and flexible underwriting. Our team understands the operational, contractual, and liability exposures security firms face and can craft packages that address those needs while remaining marketable.

Typical scenarios we frequently place 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 operating multi-state transport routes

If you have a client expanding services, moving to multi-state operations, or seeking higher limits and specialized endorsements, CoverXSpecialty can help you find an effective solution and support placement through to policy issuance and claims handling.