Insurance Requirements for Armed Security Guard Companies
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 25
- 3 min read
Updated: Sep 29
Security guard companies—especially those employing armed personnel—face elevated risks and legal responsibilities. Whether your business provides executive protection, event security, or neighborhood patrols, having the right insurance coverage is essential to protect your team, your clients, and your reputation.
At Wexford Insurance, we specialize in providing tailored insurance solutions for both armed and unarmed security guard businesses across the United States. Here's a breakdown of the key insurance types your company needs to stay protected and compliant.
General Liability Insurance
This is the foundation of protection for any security business. It covers third-party bodily injury, property damage, and personal injury claims. For example, if a guard accidentally damages a client’s property or a bystander is injured during patrol, general liability insurance helps cover legal and medical costs.
Armed security companies typically require higher coverage limits due to the increased risk associated with firearms. Wexford Insurance can help you determine the right coverage based on your operations.
Professional Liability Insurance (Errors & Omissions)
Professional liability insurance protects your business from claims of negligence, failure to perform duties, or errors in judgment. If a client alleges your team failed to respond appropriately during a threat or incident, this insurance covers legal defense and potential settlements.
This coverage is especially important for armed guards, who are held to higher standards of conduct and decision-making.
Workers’ Compensation Insurance
Security guards face physical risks daily, from slips and falls to confrontations with intruders. Workers’ compensation insurance covers medical expenses and lost wages if an employee is injured on the job.
Whether your team is armed or unarmed, this coverage is legally required in most states and ensures your employees are protected while performing their duties.
Commercial Auto Insurance
If your company owns vehicles used for patrol, transport, or emergency response, commercial auto insurance is essential. Personal auto policies won’t cover business use, and accidents involving company vehicles can lead to costly claims.
This coverage includes vehicle damage, liability, and medical expenses resulting from on-duty accidents.
Firearm Liability Insurance
For armed security companies, firearm liability insurance is a must. It provides coverage for incidents involving firearms, including accidental discharge or excessive force claims. This specialized coverage helps protect your business from lawsuits that can result in significant financial loss.
Wexford Insurance offers firearm liability options tailored to the unique risks of armed operations.
Assault & Battery Coverage
Standard liability policies often exclude coverage for physical confrontations. Assault and battery coverage fills this gap, protecting your business from claims related to excessive force or altercations involving guards.
This is particularly important for armed security companies, where the potential for physical engagement is higher.
Final Thoughts
Insurance isn’t just a legal requirement—it’s a strategic investment in your company’s future. Armed security firms face higher risks, but with the right coverage, you can operate confidently and responsibly. Unarmed security companies also benefit from comprehensive protection that ensures business continuity and client trust.
Whether you're a startup or a seasoned provider, Wexford Insurance is here to help you stay protected. We offer customized insurance packages that include general liability, professional liability, workers’ compensation, commercial auto, and firearm liability coverage. Contact us today to get a quote and secure your business.
