At Liberty we understand these challenges and tailor coverage to how you operate, drawing on decades of experience to help you keep people safe while you manage licensing, training, vehicles and equipment and uphold your reputation.
Get coverage tailored to the unique risks impacting your business.
Talk to someone who gets it. Get access to industry experts, resources, and more.
Stress-free claims support when you need it most.
Most programs combine core liability and operations coverages with optional endorsements for higher-risk posts. Eligibility varies by carrier; some services may require additional controls or training.
Liberty has decades of experience working with security professionals across the country. We serve individual guards, patrol companies, event security firms and executive protection agencies, helping them navigate a complex risk landscape and meet demanding client requirements. Whether you operate solo or manage hundreds of officers, you can count on us for knowledgeable guidance, competitive options and proactive support before, during and after a claim.
Coverage designed for independent guards working at shopping centers, residential communities or executive assignments.
Tailored programs for companies with a handful of employees serving local businesses and events.
Scalable solutions for firms with dozens or hundreds of officers across multiple locations.
Protection for teams handling concerts, sporting events, festivals and nightlife venues.
Availability and terms vary by carrier and state.
Security work carries unique risks. If a guard accidentally injures someone, makes a false arrest or damages property, the resulting claim can be financially devastating. Insurance helps protect guards and their employers against bodily injury, property damage and professional liability exposures, and it often satisfies client or regulatory requirements. Coverage varies by policy and carrier; speak with a licensed agent.
General liability insurance typically covers third-party bodily injury, property damage and personal/advertising injury resulting from your operations. For security professionals, it can also respond to allegations of false arrest, wrongful detention or use of reasonable force. Policies exclude certain acts like intentional harm, so it’s important to review the details with your advisor.
General liability responds to accidental injuries or property damage you cause to others, while professional liability (errors and omissions) covers claims arising from the way you perform your services. For example, a general liability policy might cover a slip-and-fall during a patrol, whereas a professional liability policy addresses allegations that you failed to prevent a theft or improperly detained someone.
Coverage amounts depend on your contracts, the size of your workforce, the types of clients you serve and your risk tolerance. Many small firms start with $1M per occurrence for general liability and professional liability, while larger companies or those working in high-risk environments may purchase higher limits or an umbrella. A broker can help you assess your exposures and recommend appropriate limits.
Many states require licensed security guards and companies to carry liability insurance, workers’ compensation and sometimes surety bonds. In addition, most clients mandate minimum limits and specific endorsements in their contracts. Failing to carry adequate coverage can jeopardize your license and your ability to win business.
Premiums are based on factors like the number of guards you employ, your annual revenue, the types of services you provide, your claims history and the limits you purchase. Smaller operations with basic patrols may pay a few thousand dollars per year, while larger or high-risk firms may spend more. The best way to estimate your cost is to request quotes from multiple carriers through a broker.
Yes, coverage is available for armed guards and specialized services like executive protection, but it usually requires additional underwriting and may involve higher premiums or specialized endorsements. It’s important to disclose the types of weapons used and the training your staff receives so your policy accurately reflects your risk.
