General Liability
Protects your security company from third-party bodily injury and property damage claims arising from guard operations — essential coverage for every client contract and site assignment.
Security guard companies face unique risks every shift — from on-site injuries to third-party liability claims that can shut down operations overnight. Soma's specialized insurance programs deliver General Liability, Workers Compensation, and professional coverage built specifically for security businesses. Get the right protection at the right price, fast — with one application and no broker runaround.
Comprehensive coverage solutions tailored to protect security guard companies, their employees, and operations from every angle.
Protects your security company from third-party bodily injury and property damage claims arising from guard operations — essential coverage for every client contract and site assignment.
Covers medical expenses and lost wages when your guards are injured on the job. Required in most states and critical for a workforce facing physical, high-risk environments daily.
Shields your business from claims alleging failure to perform security duties, negligent supervision, or errors in judgment that result in client financial losses or harm.
Covers vehicles used for patrol routes, mobile response, and client site transportation — protecting your fleet from collision, liability, and physical damage claims.
Protects security firms that manage access control systems, surveillance data, or client information from data breaches, ransomware, and cyber-related regulatory claims.
Soma's expert Risk Management Team analyzes your security operation, identifies coverage gaps, and builds a customized insurance program at the right price — fast.
Security guard companies operate in high-liability environments where a single incident — an altercation, a slip-and-fall on a client's property, or a guard injured during patrol — can trigger costly claims. Standard business insurance rarely accounts for these exposures. Soma structures purpose-built programs combining General Liability, Workers Comp, and Professional Liability into a single, coordinated package. We work with top-rated specialty carriers to place coverage that standard brokers often decline, delivering fast quotes through one application with no weeks of waiting.
See how security guard companies have secured fast, affordable coverage through Soma's specialized programs.
Soma combines deep specialty market access with a streamlined process to get security businesses covered quickly and correctly.
We place hard-to-insure security risks through top carriers like Chubb, Kinsale, and Markel that standard brokers can't access.
Get General Liability, Workers Comp, and more quoted simultaneously with a single application — no chasing multiple brokers.
Our Risk Management specialists understand security industry exposures and craft programs precisely matched to your operations and contracts.
No waiting weeks for quotes. Soma delivers fast, competitive coverage placement so your security business stays compliant and operational.
Specialists dedicated to protecting security businesses with the right coverage.
Soma was built to solve a problem that thousands of business owners — including security guard companies — face every year: brokers who move slowly, carriers who decline hard-to-place risks, and policies that don't actually fit the business. Soma's Risk Management Team has processed thousands of commercial accounts across complex industries, developing deep expertise in high-liability verticals like security services. We partner with hundreds of top-rated carriers including Chubb, Kinsale, Liberty Mutual, and Markel to place coverage others won't touch — fast. For security guard businesses navigating contract insurance requirements, state Workers Comp mandates, and demanding clients, Soma delivers the complete, affordable protection your operation demands.
Security guard insurance typically ranges from $1,500 to $10,000+ per year depending on your company size, number of guards, the types of sites you cover (armed vs. unarmed), your claims history, and the coverage lines required. Workers Compensation premiums are calculated per $100 of payroll, while General Liability is influenced by annual revenue. Soma obtains competitive quotes from multiple specialty carriers to secure the best available rate for your specific operation.
Talk to a Soma specialist who understands the security industry — get clear answers and a fast quote.
Meeting high standards for trust, transparency, and business practices.
Recognized access to top-rated carriers for complex and hard-to-insure risks.
Proven track record placing coverage across complex commercial verticals.
Complete a single application and Soma's Risk Management Team will match your security company with the best-fit coverage from our network of specialty carriers — no waiting, no broker runaround.
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