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Private Security Liability
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[av_toggle title=’Is it true that Texas now requires private security firms like mine to carry special liability insurance?’ tags=”]
In Texas, to get or keep a license as a private patrol operator (PPO), you must get and keep a certain amount of general liability insurance. If you fail to maintain the necessary insurance, your license is automatically suspended. Or if you fail to provide proof of insurance at the time you apply for a license, your application will be denied.
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[av_toggle title=’Is this in addition to the general liability insurance I carry for my business? How does private security liability insurance work?’ tags=”]
Yes, the special liability insurance you need to maintain as a private security firm with a PPO license in Texas is in addition to the general liability insurance you have for the business and the space it occupies. Private security liability insurance provides coverage for property damage or destruction and bodily injuries or deaths that occur in connection with the performance of work-related duties and tasks by people in the private security and investigation industry: security guards, security patrol officers, private investigators, armored car personnel, bodyguards, and the like.
Your employees are covered wherever they may be assigned and whatever the duties they perform in assignments. If one of them, or your company, is found to be financially responsible for losses stemming from an incident that occurs during the performance of the job, your private security liability insurance pays, not you or your employee. So, whether a claim is for the cost to replace an expensive piece of jewelry stolen from a store being guarded by your company, or for medical bills for the innocent bystander accidentally bowled over by your guard in hot pursuit of the fleeing thief … it won’t come out of the guard’s own pocket or your company’s bank account.
Given the risks associated with providing private security services, particularly for those licensed to carry firearms, the cost of private security liability insurance pales in comparison to the potential size of a jury award.
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[av_toggle title=’How much private security liability insurance does the state of Texas require me to have?’ tags=”]
Your private security company must be covered for at least a million dollars, divided evenly between bodily injury or death ($500,000 per loss) and property damage or destruction ($500,000 per loss).
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Southern State Insurance is a company that works with various carriers in order to provide our clients with more options and more competitive rates. Some of the carriers we have partnered with are:
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START SAVING TODAY
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NOTICE:
We are not a marketing company. We do not sell your information, all information goes directly to an expert insurance broker. Serious inquiries only.
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[av_testimonial_single src=” name=’Anwaar S.’ subtitle=’Chula Vista, CA’ link=’http://’ linktext=”]
“Most agents sell you an insurance policy and forget about servicing it. I am glad to know that my agent is not like that. Very attentive to my needs and I get my certificates right the way Thank you again for being great agent”
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[av_testimonial_single src=” name=’Joe R.’ subtitle=’San Jose, CA’ link=” linktext=”]
“Southern State Insurance has been our provider of business liability insurance for the past 2 years. They are very responsive when need anything, and we find their pricing to be competitive. We are happy with the insurance services we have with Southern State.”
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[av_testimonial_single src=” name=’Chris C.’ subtitle=’Fresno, CA’ link=” linktext=”]
“Great company,great service Anyone who answers the phone is able to take care of all my requests… Nick,Carolina,Karen or Alfa
Good price and even better service”
Owner Colbern Communications
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[av_testimonial_single src=” name=’Attila V.’ subtitle=’San Diego, CA’ link=” linktext=”]
“After being ripped off at other insurance places i came down to this office where they were able to get me a significantly lower rate and got rid of my previous issue i had with my other company. everyone was friendly and cheerful 6 months later i got a call from Alfa who was so nice she was able to get my insurance down another 5$ monthly and still keep my benefits. I’m definitely sticking with these guys forget those other rip offs.”
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