Security Services

Security Services

If you provide policies for security-based businesses, you may need special insurance coverage not normally offered by traditional insurers. Businesses that provide security guard services, private investigators, alarm systems and locksmiths as well as others requiring entry to private living quarters, need a unique type of protection.

You may have turned down this type of high-risk client in the past, but with South Western Group’s support, you can actually provide a wide range of coverage options at fair and competitive prices.

South Western Group offers specialized coverage to meet these unique needs and is one of the industry pioneers in providing this type of protection. We have been offering security coverage for nearly 20 years – far longer than most other insurance providers.

This longevity brings with it the deep knowledge and experience of our team of underwriters, all of whom have been binding security contracts for nearly two decades. Our underwriters are always available to help, applying their extensive knowledge base to help brokers understand the special exposures their security clients face and the best and least costly way to cover them.

The insurance coverage we provide takes into account all factors relevant to your client’s situation, helping to avoid unpleasant surprises down the road. You can trust us to evaluate the complete risk picture, offering coverage for all potential exposures, including failure to perform, design errors and omissions, bodily injury, advertising liability, legal expenses, property damage and a host of other circumstances.

COVERAGE HIGHLIGHTS

Commercial General Liability (Occurrence Form):

  • Failure To Perform
  • No General Aggregate Limit
  • Design Errors & Omissions
  • Personal Injury
  • Intentional Injury in Defense of Personal Property
  • Fire Extinguishing Agent Release
  • Products & Completed Operations
  • Care, Custody and Control
  • Legal Expense & Defense Cost Reimbursement – $25,000 Each Occurrence; $25,000 Annual Aggregate
  • Advertising Liability
  • Bodily Injury and Property Damage – Broad Form
  • Non-Owned Auto (including physical damage)
  • Incidental Malpractice
  • Contingent Employers Liability
  • Employee Benefits Liability – Claims Made – $1,000,000 Limit
  • Employees as Additional Insureds
  • Tenants Legal Liability – $250,000 Sub-Limit
  • Lost Key Cover – $50,000 Sub-limit
  • Product Recall Extension – $25,000
  • Medical Payments – $25,000 each person; $25,000 each accident
  • Limited Pollution Liability Extension $1,000,000 Each Occurrence & Aggregate
  • Blanket Additional Insured’s Clause
  • Subcontractor Protocol
  • Owners and Contractors Protective coverage

Operations Requiring These Special Coverages Include:

  • Security Guard Services
  • Private Investigators
  • Training of Guards & Private Investigators
  • Alarm Installers
  • CCTV Installers
  • Locksmiths
  • Sprinkler Installers
  • Alarm Monitoring
  • Fire Extinguishers & Co2 Systems
  • Telephone Answering – Paging
  • Manufacturers/Distributors of Alarms & Protective Systems

Other Available Coverage:

  • Property
  • Business Interruption
  • Crime
  • Fidelity – 3rd Party feature 
  • Bailee Customers Rider
  • Employee Benefits Liability
  • Employers Liability
  • Privacy Breach

Errors & Omissions Liability is also available:

  • Errors & Omissions Liability for Private Investigators – Claims Made
    $250,000 Limit Each Occurrence; $250,000 Annual Aggregate (higher limits available)
  • Errors & Omissions Liability for Training of Guards & Private Investigators – Claims Made
    Up to$2,000,000 Limit Each Occurrence; $2,000,000 Annual Aggregate
  • Errors & Omissions Liability for Security Consultants – Claims Made
    $250,000 Limit Each Occurrence; $250,000 Annual Aggregate

Applications for this product

Security Services Application
Private Investigator Bond – Short Form Application
Monitoring Station Supplemental Application
Manufacturers – Distributors Supplement
Quick-Write Commercial Fidelity Bond – (Trisura) (Security Services Fidelity Supplement – for limits below $50,000) pdf
Commercial Fidelity Bond Application – Comprehensive Dishonesty, Disappearance and Destruction Bond – (Trisura) (Security Services Fidelity Supplement – for limits exceeding $50,000) pdf

Have Questions?
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1-800-668-4275

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