General Liability
Protect your armed security business from third-party bodily injury and property damage claims. Essential coverage for guards operating on client premises, with limits designed for high-risk security operations.
Armed security guards face unique, high-stakes liability exposures that demand specialized coverage — and the right policy shouldn't cost a fortune. Soma's Risk Management Team analyzes your security operation, shops top-rated carriers, and delivers competitive armed guard insurance quotes fast. Discover what drives your premium and how to save on comprehensive, compliant coverage.
Comprehensive coverage solutions tailored to the unique risks of armed security guard operations and agencies.
Protect your armed security business from third-party bodily injury and property damage claims. Essential coverage for guards operating on client premises, with limits designed for high-risk security operations.
Covers claims arising from errors, negligent acts, or failure to perform security duties. Critical for armed security agencies where professional decisions carry significant legal and financial consequences.
Covers vehicles used by armed security personnel for patrol, transport, and client site visits. Includes liability and physical damage for owned, leased, and non-owned vehicles in your fleet.
Mandatory coverage for armed security employers, protecting guards injured on duty. Soma places workers' comp for high-risk security classifications that standard carriers frequently decline or overcharge.
Security firms managing client data, access credentials, and surveillance systems face significant cyber exposure. This coverage addresses data breaches, ransomware, and regulatory defense for security operations.
Soma's Risk Management Team analyzes your armed security operation, identifies coverage gaps, and structures a cost-optimized insurance program — replacing the slow, traditional broker process with fast, expert placement.
Armed security guard insurance costs vary widely based on guard count, weapons carried, contract types, and claims history — and most standard brokers either decline the risk or overprice it. Soma specializes in placing coverage others won't, working with top-rated specialty carriers like Chubb, Markel, and Kinsale to secure competitive premiums for armed security businesses. One application. Fast quotes. Coverage built around your actual operation.
See how Soma has helped armed security businesses secure the right coverage at the right price.
Soma is built for complex, hard-to-insure businesses — and armed security is exactly that. Here's what sets us apart.
We access hundreds of carriers, including Chubb, Markel, and Kinsale, who actively write armed security risks that standard brokers can't place.
No waiting weeks for a response. Soma delivers armed security insurance quotes fast — often same-day — through a single streamlined application.
Our Risk Management Team reviews your specific security operation — guard count, weapons, contracts, and exposures — to structure coverage that fits and saves.
We specialize in placing coverage others won't, including armed security agencies with prior claims, high guard counts, or complex multi-site contracts.
Experienced specialists dedicated to complex and high-risk business insurance.
Soma is built from the ground up to serve businesses that standard insurance brokers struggle to insure — and armed security operations represent exactly the kind of complex, high-stakes risk we excel at placing. Our Risk Management Team has processed thousands of businesses across demanding verticals, developing deep carrier relationships with Chubb, Markel, Kinsale, and Liberty Mutual. We understand the liability exposures unique to armed security: weapons liability, professional negligence, high-risk workers' comp classifications, and multi-site contract requirements. Soma replaces the slow, frustrating traditional broker experience with a smarter, faster process — one application, expert analysis, and competitive quotes delivered without the wait. Our mission is simple: get your armed security business insured at the right price, fast.
A $1,000,000 general liability policy for armed security guards typically costs between $1,500 and $5,000 annually, depending on the number of guards, weapons carried, contract types, and claims history. Armed security is a high-risk classification, so premiums vary significantly by carrier. Working with a specialty broker like Soma ensures you're quoted by carriers with actual appetite for the risk, keeping costs competitive.
Talk to a Soma specialist for a free, no-obligation armed security insurance consultation.
Recognized for trustworthy business practices and accountability.
Appointed by Chubb, a leading global specialty carrier.
Accredited access to hundreds of top-rated specialty insurance markets.
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