Scenario #1: Working as a nightclub bouncer, you witness a dispute between customers that escalates into a physical altercation. While removing the troublemakers from the premises, you use force to subdue one intoxicated individual. During the ejection process, the person tumbles down the entrance steps and sustains an arm fracture. They subsequently file assault and battery charges against you—fortunately, your assault and battery coverage handles the litigation costs.Alright, he's why you need commercial insurance.Example #1: You are a bouncer for a local nightclub. A couple of patrons start arguing and soon a bar fight ensues. You locate the offenders and throw them out. In the haste to end the fight, you’re a little rough with one of the drunk customers. As you shove them out the door, they fall down the stairs and break their arm. They sue you for assault and battery—but because you have assault and battery insurance coverage the cost of the lawsuit is covered.
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Scenario #2: While working security at a financial institution, an armed robbery attempt takes place. You successfully activate the alarm system and reach for your weapon—however, the perpetrator notices your movement and fires first, striking your shoulder before fleeing. Your injury requires several weeks of recovery following surgical treatment. Your workers' compensation policy covers both medical bills and income replacement during your rehabilitation period.Example #2: You’re a security guard for a bank and an attempted robbery occurs. You managed to set off the security alarm and go to pull your gun—but the robber catches you off guard and shoots first. He shoots you in the shoulder and runs away. You’re unable to work for weeks as you recuperate from surgery. However, your workers’ compensation cover will cover your lost wages and medical expenses while you recuperate.
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Scenario #3: As stadium security, you're responsible for screening visitors to prevent dangerous items from entering the venue. Despite your efforts, an individual bypasses security with a concealed firearm. During the event, this person draws their weapon and fires a shot (after being subdued by another guard), wounding a spectator. You face a negligence lawsuit for failing to detect the weapon during screening. Your professional liability coverage protects you from financial responsibility in this incident.Example #3: You work as a security guard for a football stadium and scan attendees to make sure they aren’t bringing in any dangerous weapons. However, someone manages to sneak in with a small hand pistol. During the game, they pull their gun. They were tackled by another security guard but managed to get a shot off, injuring another fan. You are sued for negligence and not performing your duties when you allowed the gunman into the stadium. However, your professional liability insurance steps in to protect you from liability for the incident.
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These examples illustrate just some of the reasons why insurance protection is vital for security professionals.

Though this isn't a complete list, these security professionals should evaluate security guard insurance:

- Armored Car Guards
- Personal Bodyguards
- Building Doormen
- Private Investigation Agencies
- Government Security Contractors
- Shopping Center Patrol
- Security Personnel (both armed and unarmed)
- Security Businesses
- Security Consultants
- Covert Guards
- Executive Protection Services
- Parking Area Patrol
- Patrol Companies
- Private Investigators

Any individual working within the security guard sector should evaluate business insurance options.

Although some security personnel obtain comprehensive insurance through their employers, independent contractors may need to secure their own security guard coverage. Whether you work independently as a security guard, as a contractor, or operate a security business, these fundamental policies deserve consideration

General liability coverage usually protects against third-party injuries, property damage to others, libel or slander accusations, and advertising injury claims. When you have general liability protection, your insurer covers associated medical expenses and legal settlements. This provides the most complete insurance protection available for you and your security business.

A business owners' policy (BOP) offers small businesses an effective method to reduce insurance costs. Insurance providers combine certain coverages into a package at reduced rates. These typically feature general liability protection, property coverage, and business interruption insurance. When your business operates from an office location, this policy can provide significant savings.

Workers' compensation coverage is mandatory by law in most states when employing staff.

When security personnel suffer work-related injuries, workers' compensation helps pay for wage replacement and medical treatment until they can resume work.

This coverage provides excellent employee protection.

Security businesses that utilize vehicles for patrol services must secure commercial auto coverage. When accidents occur involving damage to other vehicles or injuries to other people, you become liable for their medical costs and property damage expenses. Personal auto policies exclude work-related incidents, making commercial coverage essential.

When you or your security personnel fail to properly execute duties or provide incorrect advice to clients, they may face liability claims. Professional liability coverage helps protect them—and your company—against lawsuits.

Several additional business insurance policies deserve consideration for security services.

Most general liability policies exclude assault and battery incidents. Since security work frequently requires physical intervention, guards often face claims of excessive force. Assault and battery coverage helps pay for legal costs and settlements when facing such lawsuits. Bars, nightclubs, and retail establishments frequently purchase this coverage for incidents involving customers where force becomes necessary (even when justified).

Occasionally your insurance limits may be inadequate to cover damage costs or legal settlements. Umbrella coverage provides protection beyond the limits of your primary insurance policies. This is typically purchased alongside general liability insurance.

General liability coverage for security guards can begin at approximately $100 monthly for $1 million in protection. Several factors influence your company's insurance premium costs: Your business location
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Number of employees on staff
Use of company vehicles
Types of services your business provides
Coverage limit amounts you select

We suggest consulting with a knowledgeable insurance agent to help assess your particular requirements.