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Security Insurance Information

Insurance for security guards typically falls under the category of liability insurance and is designed to provide coverage for risks associated with the security industry. Here are some common types of insurance coverage relevant to security guards:

  1. General Liability Insurance:
    • Provides coverage for bodily injury, property damage, and personal injury claims that may arise during the course of security operations.
    • Protects against third-party claims, such as a visitor getting injured on the premises where security services are provided.
  2. Professional Liability (Errors and Omissions) Insurance:
    • Offers protection against claims of negligence, errors, or omissions in the performance of security duties.
    • Particularly relevant when security guards are hired for specialized services or consulting roles.
  3. Workers’ Compensation Insurance:
    • Covers medical expenses, rehabilitation costs, and lost wages for security guards who are injured or become ill on the job.
    • Helps protect both the security guard and the employer.
  4. Property Insurance:
    • Covers damage to the property where security services are provided, including equipment used by security guards.
    • Protects against losses caused by events such as fire, theft, or vandalism.
  5. Commercial Auto Insurance:
    • If security guards use company-owned vehicles, commercial auto insurance provides coverage for accidents, injuries, and property damage involving those vehicles.
  6. Cyber Liability Insurance:
    • Relevant if security guards use technology or handle sensitive client information.
    • Provides coverage for data breaches, cyberattacks, and other cyber-related risks.
  7. Employee Dishonesty Bond:
    • Protects against theft or dishonest acts committed by security guards.
    • Often required when security personnel have access to sensitive areas or valuable assets.
  8. Assault and Battery Insurance:
    • Covers liability arising from allegations of assault or battery during the course of security duties.
    • Important for security personnel who may be involved in physical confrontations.
  9. Umbrella Liability Insurance:
    • Offers additional liability coverage beyond the limits of other liability policies.
    • Acts as a supplementary layer of protection in case of large claims.

LIC# 0k85705

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