Security Company Fleet Insurance
Security company fleet insurance for patrol and response fleets, placed by a licensed independent agency with 20+ years through A-rated carriers.
TL;DR
Security company fleet insurance keeps the vehicles used across patrol and response work in one coordinated program. Security fleets carry risks that look very different from a typical business fleet: marked cars on night patrol, officers moving between posts, armed operations, equipment installed in the vehicles. If a new contract needs certificates before the post starts, or a renewal is coming up, the last thing you want is to discover a gap at the deadline. We shop A-rated carriers, and options can come back in as little as 72 hours.
Who This Is For
- Guard and patrol companies running marked or unmarked vehicles
- Alarm-response and mobile-patrol operations covering multiple sites
- Security firms running two or more business vehicles
Guard Security is a client we can name.
What Security Fleets Commonly Need
Security fleets are usually reviewed as a whole program, not as an auto policy alone. Depending on the operation, we commonly look at:
- Commercial auto liability for the patrol and response vehicles See commercial auto liability
- Hired & non-owned auto, because officers commonly use personal cars between posts Hired & non-owned auto
- General liability
- Security professional liability (E&O)
- Assault and battery coverage
- Workers' compensation
- Umbrella or excess coverage when contracts require higher limits
Coverage depends on the vehicles listed, the policy terms, and the operation. Know what is covered before a claim, not after.
Patrol Vehicles and Underwriting
Patrol vehicles should always be disclosed clearly. How they are used matters during underwriting: night driving, mileage, who drives them, whether operations are armed, and what equipment is installed. A vehicle described as a plain sedan and used as a marked night-patrol car is the kind of mismatch that creates a problem at claim time. Tell us how the fleet actually operates and we shop it that way.
What Affects the Price
We don't publish a generic security-fleet rate. The vehicles, the drivers, the hours, the sites, and the contract limits all shape the options. Tell us about the operation and we come back with actual coverage and pricing.
How It Works
- 1Tell us about the security fleet, drivers, and posts.
- 2We shop A-rated carriers.
- 3We present the coverage and pricing.
- 4You bind and get your certificates.
FAQs
Do we need hired and non-owned coverage if officers use their own cars?
We commonly recommend security companies look at it. It protects the business from liability arising from an officer's use of a personal vehicle for work; the officer's own policy protects the officer, not the company.
Can you provide certificates of insurance for our contracts?
We place the coverage and hand you the certificates for what you choose to bind. Most contracts require more than the state minimum; send us the contract's requirements and we shop to them.
Related: Commercial fleet insurance · Van fleet insurance
Cover your security fleet before the deadline.
Start early. No obligation until you decide to bind.
Licensed in California, Nevada, Texas, Arizona, and Florida, with additional state licenses in progress. Nevada License #17116002. If your fleet is garaged in another state, ask us; we can often place coverage or point you to the right market.