Security Guard Insurance Checklist for Contracts, Certificates and Quotes

A practical, non-sales checklist security guard companies can use to prepare for a quote, review a client contract, and understand common certificate of insurance wording. Reviewed and maintained by Casurance Agency Insurance Services.

Required documents for a quote

Current policy declarations page

3–5 years of loss runs

Security guard license or state registration

Armed guard permits, if applicable

Firearms training records, if applicable

Written guard training program

Written post orders

Client contract or scope of work

Certificate of insurance requirements from the client

Payroll report by class code

Employee roster (armed vs. unarmed)

Vehicle schedule and driver list

Subcontractor agreements, if used

Safety and supervision manual

Prior cancellation or non-renewal notice, if any

Common certificate wording explained

Additional insured

Client, property owner or venue named as an additional insured on general liability and/or auto.

Waiver of subrogation

Confirms the carrier will not pursue the client for a loss, often required on GL, auto, umbrella and workers' comp.

Primary and non-contributory

Your policy must respond first before the client's own insurance is asked to contribute.

Notice of cancellation

Some contracts request advance written notice before a policy is cancelled or materially changed.

Minimum liability limits

Contracts frequently set required per-occurrence and aggregate limits, sometimes with umbrella/excess layered on top.

Coverage checklist to review

General liability

Professional liability / errors & omissions

Assault and battery

False arrest / wrongful detention

Workers' compensation

Commercial auto (owned, hired, non-owned)

Umbrella / excess liability

Lost key coverage

Crime / employee dishonesty

Cyber liability

Commercial property

Employment practices liability

See the full security guard insurance overview for details on each coverage.

Red flags underwriters look for

No written post orders for guards on site

Subcontracted guards who are not separately insured

Armed work performed but not disclosed to the carrier

Patrol vehicles insured only under a personal auto policy

No documented guard training or background check records

Expired security guard license

No signed client contract defining scope of work

No loss runs provided with the submission

Client contract requires coverage the policy excludes (e.g., assault and battery)

Repeated slip-and-fall or altercation claims without corrective action

Quote preparation checklist

Legal business name, DBA and years in business

Armed vs. unarmed guard counts and payroll by class

List of job site types (retail, warehouse, construction, event, government)

Static post vs. mobile patrol operations

Number and type of vehicles used for patrol or supervision

Current carrier, premium and expiration date

Any prior claims and how they were resolved

Desired coverage limits

Underwriting checklist

Written post orders and supervision procedures

Guard training and certification records

Background check process for new hires

Incident and claims reporting procedures

Vehicle use policy and driver qualification standards

Subcontractor insurance verification process

Payroll and classification accuracy

Contract review checklist

Confirm required coverage types are actually available under your policy

Check requested liability limits against your current limits

Review additional insured, waiver of subrogation and primary/non-contributory wording

Confirm assault and battery and false arrest are not silently excluded

Verify auto coverage matches how vehicles are actually used on the contract

Flag any wording that conflicts with your policy before signing

Ready to have Casurance review your documents?

Upload your client contract, current policy, loss runs or certificate requirements and a Casurance specialist can review your security guard insurance options through Travelers.

About Casurance Agency Insurance Services

Casurance Agency Insurance Services is a licensed independent commercial insurance agency based in Los Angeles, California. Casurance helps businesses review commercial insurance options for general liability, workers' compensation, commercial auto, commercial property, cyber liability, umbrella and specialty insurance programs.

Casurance Agency Insurance Services
714 W Olympic Blvd
Los Angeles, CA 90015

1-888-254-0089

About Casurance General Liability Workers' Compensation Commercial Auto Commercial Property Cyber Liability Umbrella / Excess Liability

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