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What's Covered Under General Liability Insurance for a Security Guard Company?
“The question I get quite often from new business owners that are just starting up in the security guard industry is when I present them with a liability quote. Sometimes they ask, ‘Hey, does this also include workers compensation for an employee or employees, or for an auto that I own?’
The simple answer is no, it does not. Those insurances are going to be provided through separate coverages. An employee you have is going to be provided through workers’ compensation. If the company owns a vehicle, it's going to be provided through a commercial auto policy.
General liability is going to protect you from any third-party claim brought forth against the company for bodily injury or property damage.
So, we can always go through and I can get more information from you as far as what the company does have - if you have employees, autos, any other exposures that can be covered through other insurances. But, your liability is just going to be covering you for any third-party claim brought against the company for a bodily injury or property damage.”
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