Expert Security Insurance Agency in Norfolk, VA

In Virginia, a security company typically needs General Liability insurance to meet state licensing requirements. We also strongly recommend Professional Liability (E&O), Workers' Compensation to cover employee injuries, Commercial Auto for patrol vehicles, and Assault & Battery coverage. Depending on your services, Cyber Liability might also be crucial. We can help you build a package that ensures you are fully compliant and protected against all relevant risks in Norfolk.

Yes, our policies can be tailored to cover the specific risks associated with both armed and unarmed security operations. We understand the increased liability that comes with armed guards and work with carriers who specialize in this type of coverage. We ensure your policy accurately reflects the services you provide, so you are never underinsured. Proper classification is key to ensuring claims are covered, and we handle that for you.

Errors & Omissions (E&O), or Professional Liability, protects your security agency from claims of negligence, mistakes, or failure to perform your duties. For example, if a client alleges your guard failed to secure a gate, leading to theft, E&O would cover your legal defense and any settlement costs. It's a critical policy that protects your business from financial loss due to professional mistakes or oversights by your team.

General Liability (GL) insurance is the foundation of your protection. It covers third-party claims of bodily injury or property damage caused by your business operations. For instance, if one of your guards accidentally damages a client's property during a patrol or a visitor slips and falls in an area you secure, your GL policy would cover the associated medical or repair costs and legal fees. It is essential for protecting your assets.

Absolutely. Workers' compensation is vital for a high-risk profession like security. It covers medical expenses, lost wages, and rehabilitation costs for guards who are injured or become ill as a direct result of their job. This not only protects your employees but also shields your business from potentially devastating lawsuits related to workplace injuries. We ensure your policy meets all Virginia state requirements for your security personnel.

Yes. We specialize in placing coverage for businesses that standard markets often decline, including new ventures with no insurance history and established firms with prior claims. Our extensive network of specialty carriers allows us to find options for hard-to-insure risks. We believe every business deserves proper protection and work diligently to secure the coverage you need to operate successfully, regardless of your history.

Our process is designed for speed and efficiency. Unlike traditional brokers that can take weeks, we can often provide a comprehensive quote within a few business days once we have all your information. Our goal is to get you the coverage you need as quickly as possible so you can meet contract requirements and focus on running your business. The exact timeline depends on the complexity of your operations, but speed is our specialty.

To begin the quoting process, we typically need some basic information about your security agency. This includes details about your services (armed vs. unarmed, patrol, events), number of employees, annual revenue, vehicle information for commercial auto, and any prior insurance and claims history. Having this information ready will help us provide a fast and accurate quote tailored to your Norfolk-based operations.