In recent times, security guard companies have become instrumental in safeguarding individuals, properties, and valuable assets. Whether your firm places guards at private events and corporate offices, or retail stores, your staff faces specific challenges every day. Because of the complicated laws and expensive claims in California, having the right liability insurance for security guards is not just intelligent—it's essential.
At JPL Insurance Services, we help businesses secure comprehensive security guard company insurance tailored to their specific operations. Below, we’ll walk you through the essential types of insurance every security company in California should have to protect itself, its employees, and its clients.
1. General Liability Insurance
This is the cornerstone of any security officer insurance plan. General liability coverage protects your company from third-party claims of:
- Bodily injury
- Property damage
- Personal or advertising injury
Example: If a security guard accidentally injures a guest while removing them from the premises or if a client alleges your guard damaged their property, general liability helps cover legal fees, medical costs, and settlement payments.
In California, this type of insurance is often required by clients before signing a contract.
2. Professional Liability Insurance (Errors & Omissions)
While general liability covers physical harm, professional liability insurance (also called E&O) protects your company against claims of negligence, misconduct, or failure to perform professional duties. For example:
- A client claims your guard failed to prevent a theft.
- A guard’s delayed response leads to property damage or injury.
This is critical in California, where lawsuits related to performance and duty of care are common in the security industry.
3. Workers’ Compensation Insurance
In California, it’s legally required for all employers to carry workers’ compensation insurance. This policy protects your company and employees by covering:
- Medical expenses
- Lost wages
- Rehabilitation services
- Death benefits
Security work is inherently physical and can be dangerous, so this coverage is essential to meet legal requirements and protect your team.
4. Commercial Auto Insurance
If your security company owns or operates vehicles—whether patrol cars or transport vans—commercial auto insurance is a must. This policy covers:
- Property damage and bodily injury liability
- Vehicle repair or replacement
- Medical payments for injured drivers or passengers
Standard personal auto insurance will not cover vehicles used for business purposes, especially in high-risk roles like security patrol.
5. Assault and Battery Liability Coverage
Security guards often work in environments where conflict can escalate quickly. Assault and battery coverage is an important add-on to your general liability policy that protects your company if a guard is accused of excessive force, even if it's in self-defense or while trying to restrain someone.
This type of protection is vital, particularly in California, where legal consequences for use-of-force incidents can be severe.
6. Umbrella Liability Insurance
Sometimes, claims can exceed the limits of your base insurance policies. An umbrella policy offers extra liability coverage on top of your general, auto, or employer’s liability insurance. It's a cost-effective way to safeguard your company from large, unexpected lawsuits or judgments.
7. Employment Practices Liability Insurance (EPLI)
Security companies, like any other employer, face risks related to employee management. EPLI protects against claims of:
- Wrongful termination
- Harassment
- Discrimination
- Retaliation
California is known for strict labor laws and high rates of employment-related lawsuits, making EPLI a wise investment.
Final Thoughts
Providing safety and protection is your job—protecting your business is ours. At JPL Insurance Services, we understand the unique risks and legal landscape facing security firms in California. From basic security guard insurance to complex multi-layered coverage plans, we tailor policies that offer real protection.
Choosing the right security guard company insurance not only shields your business from costly claims but also builds trust with your clients. Don’t wait until it’s too late—get covered today and stay focused on what matters: keeping others safe.
Looking for a custom quote or policy review?
Reach out to JPL Insurance Services today—we’re here to secure your security business.