Assault and battery
The core exposure, and the one standard forms most often exclude.
Business Insurance
Security guard company insurance.
The job is to intervene. That is precisely why assault and battery and false arrest cover are the two lines that matter most.
Security firms are hired to control access and respond to incidents, which means physical contact and detention are foreseeable parts of the work rather than accidents. Standard liability forms are not written with that in mind, and the exclusions show it.
Assault, false arrest and firearms
Assault and battery is frequently excluded or heavily sub-limited on general liability. For a guard company that exclusion removes cover for the most likely claim, so it has to be included deliberately.
False arrest, detention and personal injury allegations follow the same pattern. If guards are armed, that must be declared — armed and unarmed operations are rated very differently and some carriers will write only one of them.
What it covers
The parts of a security guard insurance policy
False arrest
Detention, false imprisonment and personal injury allegations.
Professional liability
Failure to provide the security service as contracted.
General liability
Premises and operations claims at client sites.
Working with us
What we do differently
We are an independent agency, so we place your security guard insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Confirm assault and battery is included, not excluded or sub-limited
- Declare armed operations explicitly — it changes carrier appetite
- Keep Texas licensing and guard training records current
Common questions
Security Guard Insurance, answered
Is assault and battery covered as standard?
Usually not. Most general liability forms exclude or sub-limit it, which for a guard company removes cover for the most probable claim. It has to be added deliberately.
Does having armed guards change the policy?
Substantially. Armed and unarmed operations are rated differently and some carriers write only unarmed work. Declaring it accurately is essential.
What is false arrest cover?
It responds to claims of wrongful detention or false imprisonment arising from guards restraining or holding someone. It sits alongside assault and battery as a core cover for this trade.
Related cover
Often arranged alongside this
Private Investigator Insurance
Surveillance produces privacy claims from people who never hired you. That is a different exposure from a dissatisfied client.
Read moreGeneral Liability Insurance
Commercial general liability covers claims brought against your business by other people. It is also the policy almost every client contract and commercial lease requires you to hold.
Read moreBusiness Insurance
A shop, a contractor and a software firm face entirely different risks. We place commercial cover across multiple carriers rather than fitting you to one company's template.
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