Connect coverage to the actual operation
Armed security creates elevated severity and underwriting scrutiny. A complete submission should identify client classes, posts, weapons, licensing, screening, firearms qualification, use-of-force standards, supervision, body-camera practices, vehicle use, incident reporting, contracts, claims, and any work at high-hazard or restricted locations.
Risks to review
- Use of force, firearm discharge, bodily injury, wrongful detention, and civil-rights allegations
- Alleged negligent protection, failure to act, or inadequate supervision
- Employee injury, weapons handling, patrol vehicles, and client-property damage
- Contractual indemnity, defense obligations, and catastrophic liability
Information to prepare
- Client and post schedule, duties, hours, payroll, revenue, and armed percentage
- Licensing, screening, firearms qualification, training, supervision, and discipline
- Weapons policy, storage, use-of-force, incident, body-camera, and evidence procedures
- Contracts, vehicles, losses, circumstances, and requested limits
Frequently asked questions
Why separate armed and unarmed payroll?
Duties and severity differ. Accurate splits help underwriters classify the operation and avoid treating a mixed firm as though all guards perform identical work.
Does a client contract create coverage automatically?
No. Indemnity, defense, additional-insured, waiver, limit, and scope-of-services clauses must be compared with actual policy terms.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.