Security Companies

Assess a people- and contract-driven operation without assuming every company provides armed services.

Piedmont helps security companies consider the differences between armed and unarmed operations, client-site responsibilities, employee practices, vehicles, contracts, and the severity a claim could create.

Start a Risk Review All Industries

Operating context

The service model matters: armed, unarmed, mobile, or site-based.

Security operations vary materially by service, client site, staffing, equipment, territory, and contract. The review should describe the actual operation rather than assume one model.

Armed and unarmed operations

Distinguish armed services from unarmed guard work, and consider firearms only where applicable to the actual employees, contracts, and operations.

Client-site exposures

Guards may work in facilities, events, properties, vehicles, or other locations where client expectations and site conditions shape responsibility.

Screening and training

Employee screening, training, supervision, use-of-force practices, and assignment decisions are part of the people-driven operating context.

Vehicles and mobility

Patrol vehicles, employee travel, response patterns, and territory can create commercial auto and operational exposures beyond a fixed client site.

Material exposures

Review the people, places, and decisions that can drive claim severity.

A focused conversation should distinguish the company’s actual services and evaluate the contracts, training, vehicles, client sites, claims severity, and potential loss connected to them.

Professional liability / E&O

Security instructions, monitoring, response, reporting, and other professional services can create an E&O conversation distinct from general liability.

Use of force

The actual services, training, supervision, client instructions, and policies around use of force should be evaluated without generalizing across companies.

Firearms where applicable

Where armed services or firearms are part of the operation, review the related contracts, employees, storage, training, and coverage treatment specifically.

Employee screening and training

Screening, hiring, assignment, training, supervision, and employment practices can influence both day-to-day operations and claim severity.

Client sites and commercial auto

Site conditions, patrols, response vehicles, drivers, and mobility patterns can create premises, operations, and auto exposures.

Coverage considerations

Compare professional and operational coverage against the actual service model.

Coverage considerations should reflect whether services are armed or unarmed, site-based or mobile, and what client contracts require.

Professional liability / E&O

Review the professional services definition, duties, exclusions, limits, and client commitments connected to security work.

General liability

Compare premises, operations, use-of-force, client-site, contractual, and completed-service considerations.

Commercial auto

Consider patrol, response, employee, owned, hired, and non-owned vehicle use and territory.

Employee practices and workers’ compensation

Review the employee population, hiring and training context, work conditions, classifications, and employment practices exposure.

Umbrella/excess liability

Claims involving people, vehicles, client sites, or use of force may make severity and excess structure important to compare.

Relevant coverage categories

Compare the categories that reflect the operation.

Professional liability / E&O

General liability

Commercial auto

Workers’ compensation and employment practices

Umbrella/excess liability

Firearms coverage where applicable

Contractual and customer requirements

Security contracts define duties, expectations, and evidence.

Client contracts may set requirements around services, staffing, response, indemnity, insurance, evidence, firearms, or limits. Those terms should be compared with the operation that will actually perform the work.

Contractual obligations

Review service scope, duties, indemnity, response expectations, reporting, and insurance language for each material type of engagement.

Client-site requirements

Customer properties may set access, staffing, training, evidence, limits, or additional insured expectations that vary by contract.

Severity and transfer

Compare contractual risk transfer, underlying limits, umbrella/excess requirements, and the potential severity of the services performed.

Business lifecycle

New contracts and services can change the risk model quickly.

Expansion into new contracts, territories, staffing models, or services deserves a review that distinguishes the new work from the existing operation.

New contracts

A new client or facility may introduce different duties, use-of-force expectations, staffing, evidence, limits, and contractual obligations.

New territories

New geography can change client sites, vehicles, response patterns, employees, subcontractors, and service requirements.

New services

Adding armed, mobile, monitoring, event, or other services can introduce a meaningfully different professional and operational picture.

Piedmont’s security companies advisory approach

Understand the operation and stay connected as it changes.

We approach insurance in the context of the business itself—its priorities, exposures, changes, and the risks that deserve attention.

Understand the business

Identify meaningful risk

Structure the program

Evaluate the options

Stay engaged

Start with the services, client sites, employees, vehicles, and contracts that make this security operation distinct.

Start a Risk Review Client Service