How to Start an Armed Security Guard Business Legally
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 26
- 2 min read
Updated: Sep 29
Starting an armed security guard business in the United States is a high-responsibility venture with strong growth potential. Whether you're protecting banks, VIPs, or high-value assets, armed security services are in demand—but they come with strict legal and operational requirements.
In this guide, we’ll walk through the essential steps to launch your armed security guard company legally and safely, and how Wexford Insurance can help protect your business with tailored coverage.
Step 1: Understand the Legal Landscape
Armed security businesses must comply with both state and federal regulations. These include:
Business registration (LLC, Corporation, etc.)
Security agency license (varies by state)
Guard licensing for each employee
Firearm permits and concealed carry licenses
Background checks and fingerprinting
Each state has its own licensing authority. For example, California requires 40 hours of training and firearm certification, while Florida mandates 42 hours for unarmed guards and additional firearm training for armed guards.
Step 2: Develop a Business Plan
A solid business plan should include:
Services offered (armed patrol, executive protection, event security)
Target market (banks, retail, VIPs)
Startup costs and funding
Marketing strategy
Hiring and training plans
Step 3: Hire and Train Your Team
Armed guards must meet strict qualifications:
Minimum age (usually 21+)
High school diploma or GED
Physical fitness
Firearms training and certification
Use-of-force and de-escalation training
Training programs should also include emergency response, legal compliance, and ethical conduct.
Step 4: Get the Right Insurance Coverage
Armed security companies face elevated risks. That’s why Wexford Insurance offers specialized coverage including:
General Liability Insurance – for bodily injury and property damage
Professional Liability (E&O) – for negligence or failure to act
Firearm Liability Insurance – for incidents involving firearms
Workers’ Compensation – for employee injuries
Commercial Auto Insurance – for patrol vehicles
Step 5: Market Your Services
Build a professional website, optimize for SEO, and list your business on directories like Google Business. Use keywords such as:
“Armed security guard company near me”
“Executive protection services USA”
“Licensed armed security firm”
Social media and local networking also help build trust and visibility.
Conclusion
Starting an armed security guard business legally requires careful planning, licensing, and risk management. By following these steps and partnering with Wexford Insurance, you can launch a compliant, professional, and protected operation.
👉 Connect with Wexford Insurance to secure your armed security business today.
