Warehouse Security Guard Insurance: What Coverage Is Essential?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 26
- 2 min read
Updated: Sep 29
Warehouses and office buildings are high-value environments that require constant protection. From theft and vandalism to workplace injuries and liability claims, security guard companies operating in these spaces face a wide range of risks. That’s why having the right warehouse security guard insurance is not just smart—it’s essential.
In this guide, we’ll break down the key insurance policies your firm needs to stay protected and compliant, and how Wexford Insurance can help you build a tailored coverage plan.
Why Warehouse & Office Building Security Needs Specialized Insurance
Security guards working in warehouses and office buildings are responsible for:
Monitoring high-value inventory
Managing access control
Responding to emergencies
Patrolling large, often complex facilities
These duties expose your business to potential lawsuits, property damage claims, and employee injuries. Without proper insurance, a single incident could lead to devastating financial consequences.
Essential Insurance Coverage for Warehouse Security Firms
This is the foundation of protection for any security firm. It covers third-party bodily injury, property damage, and legal defense costs.
Example: A visitor slips and falls in a warehouse lobby during a patrol. General liability insurance helps cover medical bills and legal fees.
💰 Typical Coverage: $1M–$2M per occurrence
💵 Estimated Premium: $2,750–$3,500/year for low-risk operations
Protects your business from claims of negligence or failure to perform duties.
Example: A client alleges your team failed to respond to a break-in or didn’t follow protocol.
💰 Typical Coverage: $1M–$2M per occurrence
💵 Estimated Premium: $2,500–$3,000/year
Covers medical expenses and lost wages if an employee is injured on the job.
Example: A guard strains their back while inspecting a loading dock.
💵 Estimated Cost: $0.75–$2.74 per $100 of payroll, depending on location and claims history
If your company uses vehicles for patrol or site visits, this coverage is essential.
Example: A guard gets into an accident while driving between warehouse locations.
💵 Estimated Premium: $1,200–$2,000 per vehicle annually
Protects your office space and surveillance equipment from fire, theft, and vandalism.
Example: A fire damages your monitoring equipment or office space.
💵 Estimated Cost: $550–$800 annually for basic coverage
Final Thoughts
Whether you're guarding a warehouse full of inventory or an office building with high foot traffic, the risks are real—and so are the consequences of being underinsured. With the right warehouse security guard insurance, you can protect your team, your clients, and your bottom line.
Let Wexford Insurance help you build a policy that fits your business and your budget. Connect today!
