What insurance does a security guard business need? (2026)
Most security guard operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for security guard operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| 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 |