Protect your business from liability
All companies needs liability insurance. General liability is basic. It guards against things like injuries and damage that occur during daily operations. There’s also professional liability, which covers negligence related to professional services. We know the risks in the security industry. We’ll create coverage that fits your needs.
Thanks to decades insuring security industries, we understand challenges facing businesses like yours. We can customize business liability insurance, both general and professional, for your needs at a sensible price.
IS YOUR STATE ELIGIBLE?
We provide business liability insurance (both general and professional liability insurance) in all 50 states. So whether you're in Alaska, Arizona, Nebraska or New York, your state's eligible.
Risks and Solutions
We've seen so many claims in our decades in the security industry and many of them couldn't be avoided. The key is having business liability insurance broad enough to protect you from bankruptcy.
Common Questions and Answers
Q: Would all Security Guard Liability Policies Cover for acts by security professionals acting outside the scope of their employment?
A: No. Contrary to the assertions of some insurance carriers and the agents and brokers representing them – liability insurance policies for security guard and investigation and alarm companies are NOT created equal. Brownyard Programs is unique in their coverage for intentional acts – we know that you can’t always prevent the bad apples from being hired. We protect the company for those harms done by your employee, other policies on the market do not offer this coverage.
Q: What are underwriters looking for when deciding on a risk?
A: Payscale, Training, and Supervision, Experienced Principals/Supervisors, Retired/Off-Duty Officers for Armed work, Contracts reviewed by attorney, and Avoid work that historically generates frequency and/or severity: i.e.; retail/malls, low-income/HUD housing, bars or establishments where alcohol is served, special events, fast food, emergency rooms, schools, liquor stores, celebrity bodyguard work, or any work with powers to arrest.