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As a security professional, your job is to protect people and property. Every shift, you show up with courage and commitment—because safety isn’t just a service; it’s a responsibility. But even the most experienced guards can face claims of negligence, errors, or accusations of failing to perform their duties. That’s why security guard professional liability insurance is not just a smart move—it’s essential.
At Pflugerville Business Insurance, we help security firms and independent contractors protect their reputations and their future with professional liability coverage designed specifically for your industry. Let’s explore why it matters, what it covers, and how it can save your business when the unexpected happens.
What Is Professional Liability Insurance?
Professional liability insurance—also known as errors and omissions (E&O) insurance—protects security guards and firms from claims related to mistakes, negligence, or failure to perform professional duties. It’s the coverage that steps in when someone says, “You should have done more.”
Why It Matters for Security Guards
Your job carries risk. If an incident occurs and a client believes your response was insufficient, you could face a lawsuit—even if you did everything right. Professional liability insurance provides defense costs and potential settlements, giving you peace of mind and the power to keep working confidently.
Who Needs It?
If you run a security company, contract guards, or work independently, professional liability coverage is a must. It’s especially critical if your services include event security, executive protection, patrols, or armed guard duties.
Common Scenarios Professional Liability Covers
Even if you’ve never had a claim, you’re not immune. Clients, guests, or the public can claim you were negligent—and even false claims require legal defense. Here’s a closer look at what’s typically covered:
| Scenario | How Coverage Helps |
|---|---|
| Failure to Prevent a Crime | A client claims a guard failed to respond quickly enough to stop a theft. The policy covers legal defense and settlement if needed. |
| Negligent Supervision | Your company is accused of failing to train or oversee staff properly. Coverage applies to legal costs and any resulting damages. |
| False Arrest or Detainment | A person claims they were unlawfully restrained by a guard. E&O coverage helps manage reputational and legal consequences. |
| Errors in Reports | An inaccurate report leads to a loss or liability for your client. The policy covers financial consequences related to documentation errors. |
| Event Oversight | A security detail at a concert or gathering misses a key safety issue, leading to injury. Professional liability steps in to help. |
It’s Not Just Coverage—It’s Confidence
No one wants to think about getting sued. But in today’s litigious environment, it’s a reality for many security professionals. With the right insurance in place, you don’t have to face these risks alone. Instead, you can move forward with confidence, knowing you’re backed by a team that understands your work.
At Pflugerville Business Insurance, we’re committed to helping guards stay protected, stay licensed, and stay in business. We offer flexible, affordable policies tailored to the security industry’s needs.
How Much Does It Cost?
Rates for professional liability insurance are based on your business size, services offered, number of guards, and claims history. Here's a general look at premium ranges:
| Business Type | Monthly Cost Estimate |
|---|---|
| Solo Security Contractor | $60 - $120 |
| Small Guard Firm (1–5 guards) | $120 - $350 |
| Medium Firm (6–15 guards) | $350 - $750 |
| Large Guard Company (15+ guards) | $750 and up |
Bundle your E&O with general liability, workers’ compensation, and firearms liability for full-spectrum protection.
Why Clients Expect It
Many commercial contracts require security firms to carry professional liability insurance. It shows that you're responsible, prepared, and serious about your business.
Let’s Talk—No Pressure
We know insurance can be confusing. That’s why our team at Pflugerville Business Insurance is here to talk through your options, answer questions, and help you feel good about your coverage.
Backed by Experts
Our specialists know the security industry inside and out. We don’t offer cookie-cutter policies—we build insurance programs that work for you, not against you.
Ready to Protect Your Reputation?
Your skills are your asset. But your reputation? That’s your brand. Security guard professional liability insurance defends both—because one lawsuit shouldn’t undo years of great work.
Get in touch with Pflugerville Business Insurance today. We'll help you find the right policy, at the right price, for the way you do business. You take care of others—we’ll take care of you.
Call us at 512-252-2618 or click below to get started.
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