Published by ALKEME Insurance Services · Licensed Insurance BrokerageLast updated April 2026

Campus Security

Insurance for Campus Security Companies

Specialized coverage for security companies protecting schools, universities, and educational campuses.

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Campus security companies face unique exposures from the duty to protect vulnerable populations, heightened safety scrutiny, and complex regulatory environments governing educational institutions.

Campus-Specific Risks

The duty of care owed to students is significantly higher than in most other security settings. Any failure to prevent harm can generate claims of extraordinary severity. The involvement of minors in K-12 settings further elevates the standard of care.

Background check failures for guards assigned to schools are particularly damaging claims that can result in civil liability and criminal prosecution.

Coverage We Recommend

Frequently Asked Questions

Schools require higher liability limits, enhanced background checks, and specific training certifications. Professional liability is critical due to the elevated duty of care.

General and professional liability may respond depending on allegations. Coverage for failure to prevent or adequately respond to such events falls under professional liability.

Yes. The presence of minors extends a higher duty of care to security contractors, driving both claim frequency and severity.

Recommended Coverage

Professional Liability

Negligent security and failure-to-protect claims

General Liability

Third-party bodily injury and property damage

Workers' Compensation

Guard injury and occupational illness coverage

Umbrella / Excess

Additional liability protection layer

Helpful Resources

GuideSecurity Contract Requirements →GuideHow Much Does Security Guard Insurance Cost? →

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