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Security Guards and Controls

You are in the protection business. We are too.

At PayneWest, we specialize in insurance solutions for security guard and patrol professionals. We are committed to providing the best possible insurance protection and service at the right price. You protect others, let us help protect you. Give us a call today to learn more about our unique policies and service.

Included Coverages:

  • General Liability – $1,000,000/$2,000,000
  • Errors & Omissions (separate limits) – $1,000,000/$2,000,000
  • Damage to Premises – $100,000
  • Personal & Advertising Injury – $1,000,000
  • Medical Payments – $5,000
  • Property Damage – $50,000
  • Blanket Additional Insured (including primary and non-contributory and limited waiver) – Included *up to 10 additional insureds
  • Assault & Battery – $300,000/$600,000
  • Lost Key Coverage – $100,000/$300,000
  • Electronic Data – $50,000
  • Terrorism – Included

Additional Coverages:

  • Employee Benefits – $1,000,000
  • Stop Gap – $1,000,000
  • Assault & Battery – Up to $1,000,000
  • Hired & Non-Owned Auto – $1,000,000
  • Blanket Additional Insured – All the way up to as many as necessary
  • Additional Insured Landlord
  • Additional Insured Equipment
  • Scheduled Waiver of Subrogation
  • Scheduled Additional Insured
  • Electronic Data – Up to $200,000
  • Prior Acts Coverage
  • Property Damage – Up to $500,000
  • Increased Limits


Accepted Operations:

  • Armed & Unarmed Security (apartments, condominiums, banks, offices, churches, construction sites, warehouse, industrial risk, hotels, movie theaters, city/county/state buildings)
  • Executive Protection (no celebrities, entertainers, athletes)
  • Security Consulting
  • Canine Patrol & Security – must be certified w/ 5 years’ experience.
  • All Private TAG 1 operations accepted
  • Security Training Courses (must be state approved and insured must have a hold harmless agreement in place)
  • Process Servers (Eviction Posting accepted)
  • Up to 20% security operations (see TAG 3 cheat sheet for okay/prohibited operations)
  • Subcontractor Cost okay (must include subcontractor agreement & hold harmless)
  • Unarmed Strike Security – no high profile
  • Off duty officers – no officer uniforms may be worn
  • Airport Security – premises & cargo area okay. No TSA operations

Operations which require carrier approval:

  • Armored Car Services (copy of contract to include hold harmless must be provided)
  • Border Patrol (copy of contract must include no arrest authority & hold harmless)
  • Security for Low Income housing
  • Security in Hospitals/Medical Facilities

Prohibited Operations:

  • Abortion Clinic/Family Planning Centers
  • Correctional Facilities, Detention Centers & Penal Institutions
  • Nuclear Power Plants
  • TSA Operations
  • Armed Guards – Retail Stores during business hours
  • Armed Guards – Schools
  • Armed Strike Security
  • Bail Bonds/ Bail Enforcement
  • Body Guards for Celebrities, entertains and athletes
  • Canine Patrol/Security used for bomb or weapon detection
  • Collection/Repossession Operations
  • Doorman or Bouncers for nightclubs, teen centers, bars, restaurant for purpose of bar services, or taverns
  • Active Law Enforcement
  • Parole Officers
  • Prisoner Transport
  • School Crossing Guard
  • Traffic Control
  • Undercover Drug Operations

Additional Request/Facts:

  • Minimum of 3 years’ experience relating to security operations
  • Loss runs required on all new business
    • Any claims will require claim statement from insured
  • Backdating over 5 business days will need to be one off discussions
  • This program is rated on payroll (We cap payroll)
    • Owners & Employees cap at $25,000
  • We do not charge for clerical employees – please double check clerical employees are not doing any document investigation and are true clerical employees.
  • Minimum Premium – $1,000

Exclusion Reads as:

Security or Guard work during operation hours in Taverns and/or Restaurants; Armed Retail Operations occurring during business hours; Repossession and Collection Agencies other than location of assets; Bail Bondsmen; Bounty Hunters, Bail Enforcement Operations; Bouncers, Executive Protection for Celebrities, Entertainers, Dignitaries, or Athletes.

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