Security Agency License & Insurance in Florida

Florida requires security agencies to carry general liability insurance to obtain a "Class B" license. The state mandates specific minimum coverage limits, typically including bodily injury and property damage. Depending on your operations, you may also need commercial auto and workers' compensation insurance. We ensure your policy meets all Division of Licensing requirements for a smooth application process.

The cost of insurance for a Florida security agency varies based on factors like the number of guards, whether they are armed, your agency's claims history, and the coverage limits you select. Our team analyzes your specific risks to find the most competitive rates from our network of carriers, ensuring you get affordable coverage that doesn't compromise on protection.

Yes, we specialize in securing insurance for agencies with armed guards. We understand the increased liability and have access to carriers that are comfortable with this higher-risk exposure. Our policies can include coverage for incidents involving firearms, ensuring your business is protected against the unique risks associated with armed security operations in Florida.

Absolutely. We frequently work with new security ventures in Florida. We know that standard markets often decline startups, but our network includes carriers that are eager to insure new agencies. We can help you secure the necessary coverage to fulfill licensing requirements and get your new business off to a protected, compliant start.

General Liability covers third-party claims for bodily injury (like a slip-and-fall) or property damage. Professional Liability (E&O) covers claims of negligence in your professional services, such as a failure to protect a client's property as contracted. For security agencies, having both is critical to cover physical and performance-related risks.

We pride ourselves on our speed. Once you provide the necessary information, we can often provide a quote and bind coverage quickly. We understand that licensing deadlines are critical, so we work to deliver your Certificate of Insurance (COI) and other required documents promptly, helping you avoid delays in your Florida license application.

Yes, specific assault and battery coverage can be included in your policy. Standard general liability policies often exclude this, which is a major gap for security firms. We ensure your policy is explicitly endorsed to cover claims arising from altercations, providing a critical layer of protection for the physical nature of security work.

To get an accurate quote, you will need to provide your agency's name, details about your services (armed vs. unarmed), the number of employees, revenue projections, and any prior insurance or claims history. This information helps us tailor the best and most affordable insurance solution for your needs.