How to Stay Compliant with Firearm Regulations for Armed Security Guards
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 25
- 2 min read
Updated: Sep 29
Armed security guards play a vital role in protecting people, property, and high-risk environments. But with the added responsibility of carrying firearms comes a complex web of legal and regulatory requirements. Staying compliant with firearm laws is not just about avoiding penalties—it’s about ensuring safety, professionalism, and trust.
At Wexford Insurance, we help armed and unarmed security companies across the U.S. stay protected with tailored business insurance. In this guide, we’ll break down how armed security guard companies can stay compliant with firearm regulations and reduce liability risks.
Federal and State Firearm Regulations
Firearm regulations for armed security guards are governed primarily at the state level, though federal laws also apply. Each state has its own licensing, training, and carry laws, which may include:
Minimum age requirements (usually 21 for armed guards)
Background checks including criminal history and mental health assessments
Firearms training and certification
Licensing for both the guard and the employer1
Federal law requires armed guards to pass a background check through the ATF, and in some cases, undergo a TSA threat assessment for specific roles.
Training and Licensing Requirements
Basic security training
Firearms safety and handling courses
Use-of-force and de-escalation training
Annual requalification and continuing education
For example, California requires 40 hours of training, including 8 hours of firearms instruction. New York mandates a 47-hour firearms course plus annual requalification.
Employer Policies and Best Practices
Beyond legal compliance, employers must implement internal firearm policies that:
Define when and how firearms may be used
Require incident reporting for any firearm-related event
Restrict off-duty firearm use
Specify approved firearm types and holsters
Mandate refresher training and performance reviews
These policies help reduce liability and ensure guards act responsibly under pressure.
Insurance Coverage for Armed Security Companies
Even with strict compliance, risks remain. That’s why armed security companies need specialized insurance coverage:
General Liability Insurance – Covers third-party injury and property damage
Professional Liability Insurance – Protects against negligence claims
Firearm Liability Insurance – Covers incidents involving firearms, including accidental discharge or excessive force claims
Workers’ Compensation – Covers employee injuries
Commercial Auto Insurance – Covers patrol vehicles
Wexford Insurance offers customized packages to help armed and unarmed security companies stay protected and compliant.
Final Thoughts
Operating an armed security guard company requires more than hiring trained personnel—it demands a deep understanding of firearm laws, licensing, and risk management. By staying compliant and carrying the right insurance, you protect your business, your team, and the communities you serve.
Wexford Insurance is here to help. Contact us today to get a quote and build a coverage plan tailored to your security operations.
