Coverage for the companies that protect everyone else.

Security firms carry the exposures standard carriers run from: use of force, assault and battery allegations, armed operations, and contracts that demand high limits. We place protective-services risks with specialty markets that underwrite the class on its merits.

Coverage built for this industry

General Liability + Assault & Battery

The core program — GL with affirmative assault & battery coverage, not the silent exclusion that guts most standard-market policies for this class.

Security Professional E&O

Failure-to-perform allegations — a theft on a guarded site, an incident during a patrol gap — the claim GL alone doesn’t answer.

Armed Operations

Firearms exposure underwritten honestly: training documentation, use-of-force policies, and carriers that accept armed classifications.

Workers’ Compensation

Guard classifications with honest payroll splits between armed, unarmed, and event work — priced for your actual operations.

Hired & Non-Owned Auto

Patrol vehicles and guards moving between posts — the auto exposure security contracts always ask about.

Fidelity & Crime

Employee-dishonesty coverage clients increasingly require before your guards step on their property.

How Geneva works this class

This class is in our book

We insure protective-services operations today. We know the underwriting questions — training records, vetting procedures, post orders — and we package your answers into submissions carriers take seriously.

A&B coverage, verified

Half the security policies we review have assault & battery excluded or sublimited to uselessness. We verify the wording, because for this industry that clause is the policy.

Contract-limit problem solving

A new client demands $5M limits; your current program caps at $1M. We layer excess and umbrella capacity to meet the contract without re-marketing your whole program.

Specialty market relationships

Standard carriers decline this class reflexively. Our surplus-lines and specialty access means your renewal is a comparison, not a hostage situation.

Frequently asked questions

Why did my last carrier non-renew my security company?

Standard carriers periodically exit the class entirely — it’s rarely about your account. The fix is placing the risk with specialty markets that choose to write protective services. That’s where we work.

Does my GL policy cover an assault & battery claim?

Only if it says so affirmatively. Many policies sold to security firms exclude A&B or sublimit it to $25,000–$100,000 — functionally useless for the industry’s most common serious claim. We read the form before you bind it.

Can you cover armed guards?

Yes, through markets that underwrite armed operations — they’ll want training documentation, licensing, and use-of-force policies. Strong paperwork genuinely improves your pricing here.