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

Unarmed Security

Insurance for Unarmed Security Companies

Tailored coverage for unarmed guard operations protecting retail, commercial, residential, and industrial properties.

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Unarmed security companies provide the backbone of the private security industry, staffing guard posts at retail stores, office buildings, residential communities, warehouses, and construction sites. While the absence of firearms reduces some risk categories, unarmed guard companies still face substantial liability from negligent security claims, wrongful detention, and employee disputes.

Core Coverage Needs

Unarmed security companies need a well-structured insurance program addressing the realities of putting guards on post at client locations. General liability covers third-party injuries and property damage. Professional liability protects against negligent security claims.

Workers' compensation is mandatory in most states and covers guard injuries from slips, falls, confrontations, and exposure to hazardous conditions.

Common Claims in Unarmed Security

The most frequent claims involve allegations of negligent security, slip-and-fall injuries at guard posts, wrongful detention claims, and property damage during patrols. Even without firearms, the frequency of these claims makes proper insurance essential.

Coverage We Recommend

Frequently Asked Questions

Yes. Unarmed security insurance is generally 30 to 60 percent less expensive than armed coverage. However, unarmed companies still face substantial liability and should not underinsure.

If your guards work at bars, nightclubs, events, or venues where confrontations are likely, assault and battery coverage is strongly recommended even for unarmed officers.

Most commercial clients require $1,000,000 per occurrence and $2,000,000 aggregate in general liability. Larger contracts may require higher limits via an umbrella policy.

Recommended Coverage

General Liability

Third-party bodily injury and property damage

Professional Liability

Negligent security and failure-to-protect claims

Workers' Compensation

Guard injury and occupational illness coverage

Commercial Auto

Patrol vehicles and fleet operations

Employment Practices

Wrongful termination and discrimination claims

Helpful Resources

GuideHow Much Does Security Guard Insurance Cost? →GuideGuard Licensing Requirements by State →GuideCertificate of Insurance Guide →

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