Security Guard Insurance

CIA has provided lower cost security guard insurance solutions with superior coverage for the Security Services Industry for 25 years, including:

• Security guard insurance

• Security company insurance

• Alarm insurance – installation and monitoring coverage

• Alarm company insurance

• Private investigator and detective insurance

• Security consultant insurance

• Polygraph company insurance

 

Our Exclusive Security Guard Insurance Protection Coverage Options Include:

• General Liability Coverage including Errors and Omissions for security guards, private investigators, polygraphers and most other security services.

• Workers Compensation Insurance – compare our rates!

• Employment Practices Liability Insurance

• Umbrella Liability Coverage

• Commercial auto liability insurance

General professional indemnity policies used to insure security guards can leave areas of exposure that can only be detected by an experienced security security guard insurance specialist. If there are no specific regulatory guidelines for security industry insurance coverage, a security guard insurance specialist with specific experience in the security guard insurance industry should be consulted in order to protect and provide the right coverage.

Your customers come to you because you do the job right...and at a competitive cost. You can serve them best because you’re a specialist. It’s the same with securing vital insurance protection for your own business -- security guard insurance, alarm company insurance, private investigator insurance, detective insurance or all other security and protection services coverage. You need someone with unsurpassed experience; someone who can provide a broad range of security guard insurance coverages at the lowest possible rates. You need Costanza Insurance Agency.

The majority of business establishments nowadays hire security personnel as a regular part of their operation. Security personnel are often supplied by a security agency. This security agency in turn is often the responsible party in providing security personnel with security guard insurance.

More about the need for Security Guard Insurance:

The main task of security guards is to maintain peace and order in their area. Most of the time, they are equipped with some sort of weapon to aid them in performing this task. Examples of weapons that they are allowed to carry are batons, mace, pepper spray, and firearms. Those that carry firearms are only allowed to do so if they have the necessary license and police certification. For this group of security guards, their job may pose high risk of personal harm as they do their jobs. The security guard insurance program must be carefully planned and designed to minimize the financial exposure of the company and the guards due to life-threatening events, not only within the company, but within the area and within the security guard profession.

Underwriters must factor these risks in setting rates and coverages. Experienced security guard insurance agencies can often minimize the liability insurance expense to the security company, through their relationships with underwriters and working with companies to properly train and prepare guards.

It has also been reported that another reason why businesses hire security guards is to avail of deductions on their fire insurance policy premiums. With the presence of security guards, the likelihood of fires breaking out is decreased. Thus, the insurance companies offering fire insurance are willing to offer deductions on the premiums. The deductions may even be higher if the business has twenty-four hour security.

Over the years, the number of terrorist attacks and bomb threats on business establishments has increased, making the need of regular surveillance from security personnel a necessity. With the increase in demand for security guards, it is essential for security companies to include well-designed and planned security guard insurance to their employees’ benefits. Costanza Insurance Agency and Zurich insurance coverages can help.