Request a Quote
Security professionals are the first line of defense—guarding property, people, and peace of mind. Whether you run a private security firm or operate as an independent contractor, your work comes with risk. The unfortunate truth is that while you're protecting others, you need protection too.
That’s where Security Guard Insurance Specialists - Houston Texas steps in. We specialize in providing tailored security guard insurance that shields you from the financial fallout of accidents, lawsuits, and unexpected claims. Let’s break down what this essential coverage includes and why it’s a smart move for your business.
What Is Security Guard Insurance?
Security guard insurance is a collection of policies designed to protect businesses and individuals working in the private security industry. It typically includes general liability, professional liability, workers' compensation, and sometimes firearms liability.
Why You Need It
Even the most careful guards face risk. Accusations of misconduct, injury to a third party, or property damage can result in costly lawsuits. With proper insurance in place, you don’t have to face those threats alone.
Coverage That Keeps You Operational
Without insurance, one incident could shut your business down. With it, you’re covered, confident, and focused on what matters: keeping your clients safe.
What’s Included in a Security Guard Insurance Policy?
No two security firms are exactly the same, but most policies include these essential coverages:
| Coverage | Purpose | Real-World Examples |
|---|---|---|
| General Liability | Protects against third-party bodily injury and property damage claims | A client slips at your office or a guard damages property during a patrol |
| Professional Liability | Covers errors, negligence, or claims of failure to perform | An allegation that a guard failed to act during an incident |
| Workers' Compensation | Covers employee injuries on the job | A guard sprains an ankle during a foot pursuit |
| Assault & Battery | Protection for physical confrontations in the line of duty | A guard restrains a trespasser and gets sued for excessive force |
| Firearms Liability | Optional coverage for armed security personnel | Use or accidental discharge of a weapon while on duty |
What Happens Without Insurance?
We get it—insurance isn’t the most exciting expense on your list. But imagine this: your firm is hired to secure an event. A confrontation turns physical, and someone files a lawsuit. Without insurance, you're on the hook for legal fees, settlements, and damage to your business reputation.
Now picture the same scenario, but this time with the right coverage from Security Guard Insurance Specialists - Houston Texas. Legal counsel? Covered. Damages? Handled. Your team? Still in the field, doing what they do best.
How Much Does It Cost?
Security guard insurance is more affordable than you might think. Your rates depend on a few factors—like whether your guards are armed, how many employees you have, the types of contracts you take on, and your claim history. Here's a general idea of monthly premium ranges:
| Company Size | Estimated Monthly Premium |
|---|---|
| Independent Security Contractor | $65 - $150 |
| Small Security Firm (1–5 guards) | $150 - $400 |
| Medium Firm (6–20 guards) | $400 - $950 |
| Large Firm (20+ guards) | $950 and up |
We’ll help you find the best coverage for your budget and risk profile.
Tailored to Your Work
Whether you’re patrolling construction sites, guarding retail stores, or providing event security, your risks are unique. We offer customized policies that fit the way you operate.
Support When It Counts
If something goes wrong, our claims team is here to help—fast. Security Guard Insurance Specialists - Houston Texas doesn’t leave you hanging when things get tough. We're ready when you need us.
A Reputation Worth Protecting
Your name is your brand. Insurance not only protects your finances but also demonstrates professionalism and responsibility to your clients.
Let’s Talk About Your Coverage
Don’t wait for something to go wrong before realizing the importance of protection. At Security Guard Insurance Specialists - Houston Texas, we work with local security firms and contractors just like you to make sure their insurance works as hard as they do.
From day one, you’ll have access to real humans who understand the security business—and care about your success. We’ll walk you through coverage options, break down your risks, and make sure you’re set up for success.
Call us at 713-388-6681 or click below to get started today.
Request a Quote