Security guard and security company insurance in North Carolina

What insurance does a security company in NC need?

Core coverages include: commercial GL; professional liability or errors and omissions (covering claims arising from the security service itself, including failure to prevent an incident); commercial auto (for patrol vehicles); workers comp for all security personnel; and an umbrella for additional limits. NC Private Protective Services Board licensing requires proof of insurance.

What is security guard professional liability insurance?

Professional liability for security companies covers claims arising from the professional security services provided, failure to prevent a theft or assault, wrongful detention, use of force claims, or errors in access control. Standard GL covers premises and third-party bodily injury but not professional errors in the performance of security duties.

Does NC require security companies to carry insurance?

Yes. NC Private Protective Services Board licensing for security guard companies requires proof of liability insurance. Specific minimum limits apply to licensed companies and their armed and unarmed personnel. Verify current requirements with the NC Private Protective Services Board.

What auto coverage do NC security patrol companies need?

Security patrol vehicles are commercial vehicles used for business purposes and require commercial auto insurance. Personal auto policies exclude business use. If armed guards are in the vehicles, confirm the commercial auto policy covers that use.