SECURITY GUARD INSURANCE
Coverage shaped around your operation
Fernstone Insurance helps security guard companies find affordable coverage that protects the business—not just a policy that checks a box. We work with unarmed guards, armed security, mobile patrol, executive protection, bodyguard services, event security, and mixed operations, and know how to balance cost with the protection each operation actually needs.
Nuance prevents delays and gaps
Contract requirements, state licensing, armed exposure, overnight patrol, subcontractors, 1099 guards, vehicle use, and changing payroll all affect underwriting. Fernstone understands how security businesses are built, how they grow, and how to tell that story clearly.
02 / INDUSTRY EXPERIENCE
We bring real industry experience, with more than 100 security guard customers served. Armed and unarmed guard companies are underwritten differently. Mobile patrol creates a different exposure than a static post. Executive protection and bodyguard work raise different questions than concierge or front desk security. 1099 labor can materially change how a submission is evaluated. Because Fernstone has worked with a wide range of security guard accounts, we know where issues usually come up and how to address them early.
Assault and battery
We help evaluate assault and battery coverage, exclusions, sublimits, and contract requirements based on how and where your guards work.
Firearms coverage
For armed operations, we help carriers understand training, licensing, weapons policies, supervision, and the firearms-related protection the account requires.
Professional liability
We help address errors and omissions exposure tied to consulting, security planning, supervision, and other professional services.
$2,500 to $100,000+
Premium range across the security accounts Fernstone has handled.
Relationships that match the way you operate
Our carrier relationships help security companies access coverage that fits the way they actually operate. We work with carriers that understand the security space and can respond to a range of business sizes and risk profiles. Fernstone is as comfortable helping a smaller local guard firm as it is supporting a larger, more complex operation—whether you are hiring, expanding into new states, taking on bigger contracts, or adding armed work over time.
Contract review before requirements become problems
Security businesses often lose time and money because insurance requirements are confusing, unrealistic, or easy to miss. Fernstone can review contract insurance language, flag problem areas, explain what is required, and help drive compliance so policies, endorsements, and documents line up with what customers are asking for.
Fernstone is licensed in all 50 states and ready to support security guard businesses nationwide—from newer companies pursuing a first major contract to established operators managing complex, multi-state exposures.