Do Security Guard Companies Need Commercial Auto Insurance?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 25
- 2 min read
Updated: Sep 29
Security guard companies often rely on vehicles for patrols, transporting equipment, or responding to incidents. Whether you're operating in residential neighborhoods, construction sites, or retail environments, your team’s mobility is key to delivering effective protection.
But with mobility comes risk. Accidents, property damage, and liability claims can quickly escalate without proper coverage. That’s why commercial auto insurance is a must-have for any security company using vehicles for business purposes. At Wexford Insurance, we help security firms nationwide stay protected with tailored commercial auto policies.
Why Commercial Auto Insurance Is Essential
Personal auto insurance does not cover vehicles used for business activities. If your security guards are driving company-owned or personal vehicles for work, you need commercial auto insurance to stay compliant and protected.
Key reasons to carry commercial auto insurance
Legal Compliance: Most states require commercial auto insurance for vehicles used in business operations.
Accident Coverage: Covers vehicle damage, medical expenses, and third-party liability if a guard is involved in an accident while on duty.
Asset Protection: Protects your fleet, whether it’s one patrol car or multiple vehicles used across job sites.
Client Requirements: Many contracts require proof of commercial auto coverage before work begins.
What Does Commercial Auto Insurance Cover?
A comprehensive policy typically includes:
Rental Car Coverage: Reimburses costs if a rental is needed after an accident.
Auto Liability: Covers bodily injury and property damage caused by your vehicle.
Medical Payments: Pays for injuries to drivers and passengers.
Uninsured Motorist Coverage: Protects against accidents caused by uninsured drivers.
Non-Owned & Hired Auto Liability: Covers vehicles your company doesn’t own but uses for business.
Cost of Commercial Auto Insurance
Premiums vary based on
Number and type of vehicles
Driving history of employees
Coverage limits
Location and risk exposure
Typical Range:
Security companies can expect to pay $1,200–$2,500 per vehicle annually.
Real-World Example
Imagine a guard is driving between job sites and gets rear-ended. Without commercial auto insurance, your company could be liable for repair costs, medical bills, and legal claims. With the right coverage, your business is protected from financial fallout.
Why Choose Wexford Insurance?
At Wexford Insurance, we understand the unique risks security companies face. We offer:
Our team works with security firms across the U.S. to build customized insurance packages that meet operational and regulatory needs. Whether you're a startup or an established provider, Wexford Insurance helps you stay protected.
Final Thoughts
If your security company uses vehicles for patrol, transport, or site visits, commercial auto insurance isn’t optional—it’s essential. It protects your business, your team, and your reputation.
Contact Wexford Insurance today to get a quote and ensure your fleet is fully covered.
