Do Unarmed Security Guards Need Liability Insurance?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 26
- 2 min read
Updated: Sep 29
When people think of high-risk security work, they often picture armed guards. But unarmed security guards face their own set of legal and financial risks—making liability insurance just as essential for them as it is for their armed counterparts.
If you operate a security firm that employs unarmed guards, here’s why you still need liability insurance—and how Wexford Insurance can help you stay protected and compliant.
Why Liability Insurance Is Essential for Unarmed Security Guards
Even without weapons, unarmed guards are responsible for:
Monitoring property
Deterring theft or vandalism
Responding to disturbances
Interacting with the public
These duties can lead to accidents, misunderstandings, or legal claims. For example:
A guard accidentally damages a client’s property
A bystander trips over a barricade placed by your team
A client alleges negligence during an incident
In any of these cases, your company could face lawsuits, medical bills, or repair costs. General liability insurance helps cover these expenses and protects your business from financial loss.
What Does Liability Insurance Cover?
For unarmed security firms, the most important types of insurance include:
Covers third-party bodily injury, property damage, and legal defense costs. It’s often required by clients and state licensing boards.
Protects against claims of negligence or failure to perform duties. Even unarmed guards can be accused of mishandling a situation.
Required in most states if you have employees. Covers medical expenses and lost wages if a guard is injured on the job.
If your guards use company vehicles for patrols or site visits, personal auto insurance won’t cover business use.
How Insurance Differs for Armed vs. Unarmed Guards
While both types of guards need liability insurance, armed guards typically require higher coverage limits due to the risks associated with firearms. They may also need firearm liability insurance, which is not necessary for unarmed personnel.
Unarmed guards, on the other hand, may qualify for lower premiums because their risk profile is generally lower. However, insurers still expect:
Proper training in conflict resolution and emergency response
Background checks and licensing compliance
Clear documentation of duties and incident reports
Why Choose Wexford Insurance?
At Wexford Insurance, we specialize in providing tailored insurance solutions for both armed and unarmed security guard businesses across the U.S. We understand the unique risks your team faces and offer.
Final Thoughts
Yes—unarmed security guards absolutely need liability insurance. While they may not carry weapons, they still face legal and financial risks that can jeopardize your business. With the right coverage from Wexford Insurance, you can operate confidently, knowing your team and your company are protected. Connect today!
