Getting broad coverage for your security business

Your security business insurance can help protect you up to a certain point, but is it enough? It can take only one lawsuit or unforeseen event to put your future at risk. We can provide broad umbrella (or excess) protection at a sensible price.

Protect Your Assets

If you're in the security industry, one claim could put your assets at risk if the cost exceeds the limits of your business liability insurance. That's where Brownyard Programs umbrella insurance can help.

Customized Coverage

Because of our decades in the security industry, we understand challenges facing businesses like yours. We can create custom umbrella coverage broad enough for your needs at a sensible price.


You can apply for umbrella liability insurance (also called excess insurance) at the top of this page in the Get A Quote box. Just choose from the drop down list. Or click below to go to our Applications page.



We provide umbrella liability insurance -- also called excess liability insurance -- in all 50 states. So whether you're in Oklahoma or Oregon, Nebraska or New York, Alaska or Arizona, your state is eligible.

Risks and Solutions

We've seen so many claims in the security industry that couldn't be foreseen or avoided. Umbrella liability insurance is an extra layer of coverage so a single unfortunate event won't put your assets at risk.

Brownyard Programs

Brownyard is the oldest name in security insurance: Coupled with Crum & Forster's depth of experience, we understand umbrella liability insurance in the industry as well as anyone on the market.

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Common Questions and Answers

Q: What is Follow-Form Coverage?
A: When an umbrella policy provision follows the underlying policy as to how the provision applies. Follow form also identifies an "excess" liability policy that follows the underlying policies for most policy provisions. The policy may stand alone for certain exclusions, conditions, etc., while relating back to the underlying coverage for most provisions. This type of policy form is typically used excess of scheduled underlying insurance and usually contains a requirement that the insured maintain scheduled underlying insurance.

Q: What is a common question about this coverage?
A: This is an answer to that question with a link to a blog post to learn even more.