Security Guard Insurance Cost: Ranges + Calculator
A security company's signature claim is a use-of-force incident — and here is the trap: standard general liability (ISO CGL) commonly excludes or sublimits assault & battery, the very exposure guards are hired to manage. A single A&B claim can dwarf a policy's sublimit, so the coverage has to be bought back by endorsement or written separately. Our own quote data shows these firms request general liability first — the page's job is to move them from "I have GL" to "I have assault & battery at an adequate limit."
As an industry-typical estimate, a guard operation runs roughly $2,000–$10,000+/year across general liability, assault & battery, professional (failure-to-protect) liability, and payroll-rated workers' compensation — armed operations cost materially more than unarmed. No insurance bureau publishes security-guard premiums, so every dollar here is an estimate; each coverage fact is sourced to a named authority (IRMI, III). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Body guard services |
| Guard dog services |
| Guard services |
| Parking security services |
| Patrol services, security |
| Personal protection services (except security systems services) |
| Private police services |
| Property protection services (except armored car, security systems) |
| Protection services (except armored car, security systems), personal or property |
| Protective guard services |
| Security guard services |
| Security patrol services |
What businesses actually request
Across 20 recent commercial-insurance quote requests on Get Business Coverage, here is how often each coverage line is requested — our own first-party demand data, not a rate quote.
| Coverage | Share of requests |
|---|---|
| General Liability | 80% |
| Commercial Auto | 25% |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a security-guard company typically carries (industry-typical estimates):
- Assault & battery: the trade-defining line — use-of-force claims are excluded or sublimited on standard ISO CGL and must be added back; the core security exposure. IRMI commercial general liability.
- Professional liability (failure to protect): negligence in performing the guarding service — a loss the guard was hired to prevent — not covered by GL. III professional liability.
- General liability: baseline third-party bodily injury and property damage. III commercial general liability.
- Workers' compensation: guarding is a physically hazardous occupation — mandatory with employees in nearly every state. III workers comp.
Armed vs. unarmed, contract type, and guard headcount are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting security guard operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a security guard-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
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Sources cited
- Commercial General Liability Policy — International Risk Management Institute (IRMI), 2024
- Professional Liability Insurance — Insurance Information Institute (III), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024