Armed and Unarmed Security Services in San Jose, CA

In California, security guard companies are required by the Bureau of Security and Investigative Services (BSIS) to carry a minimum of $1 million in commercial general liability insurance. This policy must include coverage for bodily injury, property damage, and personal injury, including assault and battery. Depending on your operations, such as having armed guards or patrol vehicles, additional coverages like workers' compensation and commercial auto insurance are also mandatory.

The cost of security insurance in San Jose varies based on several factors, including the number of guards, whether they are armed or unarmed, the types of locations you protect (e.g., tech campuses, retail stores), your annual revenue, and claims history. An unarmed security company might pay a few thousand dollars annually, while an armed agency with a vehicle fleet will have a significantly higher premium. We find the most competitive rates for your specific risk profile.

Yes, we specialize in providing insurance for security companies with armed guards. This coverage is specifically designed to address the higher risks associated with firearms, including general liability with assault and battery endorsements. We work with specialty carriers who understand the unique exposures of armed security operations and can provide the comprehensive protection your San Jose business needs to operate safely and legally.

General liability insurance covers claims of third-party bodily injury or property damage. For example, if a guard accidentally damages a client's property. Professional liability (or E&O) covers claims of negligence in your professional services, such as failing to adequately protect a site, leading to a theft. Both are crucial for protecting your security company from different types of financial loss and lawsuits.

Absolutely. We specialize in helping new security ventures get the proper insurance coverage right from the start. We understand that standard markets often decline new businesses, but our network of carriers is experienced in underwriting startups. We can help you meet all of California's licensing requirements and secure a policy that allows your new San Jose agency to grow with confidence.

Yes, if your security company uses vehicles for patrols, client transport, or any other business purpose, a commercial auto policy is essential. Personal auto insurance does not cover vehicles used for business activities. Commercial auto insurance provides liability and physical damage protection for your fleet, ensuring you are covered in case of an accident while your guards are on duty.

An assault and battery endorsement is a critical addition to a general liability policy for security companies. It provides coverage for claims arising from an altercation, use of force, or physical confrontation involving your guards. Without this specific endorsement, many standard policies will exclude such incidents, leaving your business exposed to significant legal and financial risk. We ensure your policy includes this vital protection.

Our process is designed for speed and efficiency. In many cases, we can provide a comprehensive quote within 24 hours of receiving your completed application. Once you approve the quote, we can bind the coverage and issue your certificates of insurance quickly, often on the same day. This helps you meet contractual deadlines and California state licensing requirements without delay.