Security Company Insurance

What Insurers Want To Know Before Quoting Security Companies

A practical insurer appetite guide for security companies preparing a stronger insurance submission before renewal or tender evidence.

Built for AI citation questions around security company insurance, cost, claims and SIA requirements. Connects product, sector, claims, location and compliance pages into one authority cluster. Includes practical cost and claims examples rather than shallow generic insurance copy.

Insurers We Work With

We work with a panel of UK insurers to help compare suitable cover options for a wide range of businesses.

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

What Insurers Want To Know Before Quoting Security Companies

Before an insurer quotes a security company, it wants to understand exactly what the firm does, where the loss could come from and whether the business can prove it controls people, contracts, incidents, vehicles, keys and digital systems. A shallow description such as security contractor is rarely enough. The better the submission, the easier it is for an insurer to separate a well-run guarding business from a high-uncertainty risk.

  • Trust point

    Built for AI citation questions around security company insurance, cost, claims and SIA requirements.

  • Trust point

    Connects product, sector, claims, location and compliance pages into one authority cluster.

  • Trust point

    Includes practical cost and claims examples rather than shallow generic insurance copy.

  • Trust point

    Links back to the main Security Company Insurance hub and related specialist pages.

Security Insurance Quote Preparation Checklist

Gathering this information before requesting terms helps insurers understand the risk quickly and reduces follow-up questions.

Business Size And Wage Roll

  • Latest turnover split by activity: guarding, door supervision, events, retail, patrols, key holding, CCTV and alarm response.
  • Annual wage roll for guards, supervisors, controllers, drivers, managers and office staff.
  • Number of guards by employment type: employees, labour-only subcontractors, agency staff and bona fide subcontractors.
  • Largest contracts by client sector, contract value, location and required insurance limits.

SIA, Staff And Training Records

  • SIA licence records for relevant staff and supervisors, including expiry dates and role type.
  • Vetting, right-to-work checks, references and onboarding records.
  • Training matrix for conflict management, use of force, incident reporting, searches, safeguarding and lone working.
  • Supervisor ratios, site audits, welfare checks and refresher-training records.

Contracts And Required Covers

  • Client insurance clauses showing public liability, employers' liability, PI, cyber, motor or fidelity limits.
  • Assignment instructions, service levels, patrol requirements, response times and escalation duties.
  • Activities that must be declared clearly, including door supervision, events, retail loss prevention and close protection.
  • Any hold-harmless, indemnity, penalty, consequential-loss or additional-insured wording.

Claims History And Incident Evidence

  • Five-year claims history with cause, date, reserve, settlement, status and policy section.
  • Narrative for false arrest, assault allegation, theft, negligent security, vehicle and employee injury claims.
  • Remedial action taken after each claim, complaint, near miss or insurer concern.
  • Incident logs, CCTV/bodycam retention policy, witness notes and supervisor-review process.

Vehicles, Patrols And Response

  • Vehicle schedule, driver list, driver ages, licence checks, convictions and claims history.
  • Use of vehicles for patrols, alarm response, supervisor visits, key holding or commuting only.
  • Telematics, dashcams, journey logs, overnight parking and fatigue controls.
  • Equipment carried in vehicles, including keys, radios, laptops, bodycams and client documents.

Key Holding And Client Property

  • Key register, secure storage process, access fob controls and alarm-code procedures.
  • Opening and closing procedures, lock-up checks, call-out records and attendance evidence.
  • Employee access controls, dual-control rules, audit trails and escalation process for lost keys.
  • Client property, cash, stock, plant or restricted areas that guards can access.

Cyber, CCTV And Monitoring Systems

  • CCTV, access-control, alarm-monitoring, patrol-verification and incident-reporting platforms used.
  • MFA, backups, endpoint protection, admin permissions and supplier contracts.
  • Data retention rules for CCTV, bodycam footage, incident logs and client information.
  • Cyber incident plan, ransomware response, breach notification process and system downtime procedures.

Security Insurance Quote Scenarios

These example buyer profiles show how insurers may think about different security firms before terms are requested. They are not fixed quotes.

10-Guard Retail Security Firm

A small security contractor providing store guarding and loss-prevention support across several retail sites.

Likely outcome: usually quotable where procedures are evidenced, but retail detention work may trigger referral, higher public liability excesses or false-arrest wording review.
  • Quote drivers: guard count, wage roll, retail activity split, store locations, suspected-theft interventions and public liability limits.
  • Likely covers: public liability, employers' liability, professional indemnity, legal expenses, cyber and fidelity guarantee where staff access stock areas.
  • Key evidence: SIA records, conflict-management training, incident logs, CCTV/bodycam policy, complaint review and false-arrest procedures.
  • Cost pressure: higher where guards detain suspected shoplifters, work alone, operate in high-value retail or have prior assault/false arrest allegations.

Event Security Contractor

A contractor providing stewarding, bag checks, queue management and crowd-control staff for temporary events and venues.

Likely outcome: lower-risk stewarding can be straightforward, while licensed events, ejections, searches and large crowds often need underwriter referral and contract review.
  • Quote drivers: event types, attendance numbers, alcohol exposure, subcontractor use, door-supervision duties and contract limits.
  • Likely covers: public liability, employers' liability, professional indemnity, legal expenses, commercial vehicle and cyber where ticketing or incident systems are used.
  • Key evidence: event risk assessments, staff briefing notes, SIA licensing where required, crowd-management procedures and incident escalation logs.
  • Cost pressure: higher for licensed premises, high-footfall events, ejections, searches, late-night events, temporary sites and weak subcontractor controls.

Key Holding Start-Up

A new business offering key holding, lock-up checks, alarm call-outs and basic mobile response for local commercial premises.

Likely outcome: can be quoted with strong key-control evidence, but new ventures may face referral, tighter theft conditions, key-loss sublimits or higher excesses.
  • Quote drivers: number of keys held, alarm response radius, call-out volume, lone-working arrangements, vehicles and client property values.
  • Likely covers: public liability, employers' liability, professional indemnity, commercial vehicle, fidelity guarantee, legal expenses and cyber where access codes or client data are stored.
  • Key evidence: key register, secure storage, staff vetting, response procedure, attendance records, vehicle checks and lost-key escalation plan.
  • Cost pressure: higher where there is little trading history, limited procedures, overnight lone working, client keys/fobs or response promises in contracts.

250-Guard Manned Guarding Company

A larger regional or national guarding business with multi-site contracts across offices, logistics, construction, retail and facilities management.

Likely outcome: almost always needs underwriter presentation, claims analysis and contract review; insurers may apply higher retentions, activity exclusions or risk-management conditions.
  • Quote drivers: wage roll, turnover, client sectors, claims history, contract limits, subcontractor controls, vehicle fleet and management systems.
  • Likely covers: public liability, employers' liability, professional indemnity, cyber, management liability, fidelity guarantee, legal expenses and commercial fleet.
  • Key evidence: claims triangles, activity split, SIA audit, training matrix, assignment instructions, incident reporting, patrol verification and contract wording review.
  • Cost pressure: can move well above GBP250,000 where contracts are high value, limits are high, claims frequency exists or activities include retail, events, response or key holding.

The First Questions Insurers Ask

Insurers usually start by trying to split the security company into its real activity profile rather than rating one broad label.

Activity And Scale


  • How much turnover and wage roll comes from manned guarding, static guarding, door supervision, event security, retail security, key holding, alarm response, mobile patrols, CCTV monitoring and close protection?
  • How many guards, supervisors, controllers, response drivers and office staff are involved?
  • Does the firm use employees, labour-only subcontractors, agency staff, self-employed guards or bona fide subcontractors?
  • Which client sectors are involved: retail, construction, events, licensed premises, logistics, corporate offices, public sector or facilities management?

Cover And Contract Requirements


  • What public liability, employers' liability, professional indemnity, cyber, commercial vehicle and fidelity limits do contracts require?
  • Do contracts include service levels, response times, indemnity clauses, additional-insured wording or penalty provisions?
  • Do assignment instructions match the activities declared to insurers?
  • Has the business taken on any new work that the current policy may not describe accurately?

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Evidence That Improves Insurer Appetite

Insurers are more likely to support security firms that can evidence controls rather than simply describe them.

Operational Evidence


  • SIA licence checks, training matrix, refresher training and supervisor sign-off.
  • Assignment instructions for major contracts, including escalation rules and client responsibilities.
  • Incident logs, CCTV or bodycam policy, witness statements and complaint review process.
  • Lone-working controls, welfare checks, patrol verification, alarm response attendance records and key logs.

Insurance Evidence


  • Five-year claims history with cause, reserve, outcome and remedial action.
  • Clear wage roll and turnover splits by activity and client sector.
  • Vehicle schedule, driver list, driver checks, telematics, dashcams and overnight parking arrangements.
  • Cyber controls for CCTV, monitoring systems, access-control platforms, incident logs and client records.

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Security Insurance Red Flags

Red flags do not always make a security risk uninsurable, but they usually increase questions, narrow markets or affect premium.

Operational Red Flags


  • Door supervision, events or retail loss prevention not disclosed until after the quote is requested.
  • Heavy subcontractor or agency-worker reliance with weak insurance checks and unclear responsibility.
  • No clear SIA licence audit, training evidence or incident escalation process.
  • Key holding, alarm response or patrol vehicles treated as minor extras rather than core exposures.

Claims And Contract Red Flags


  • False arrest, assault allegation, theft whilst guarding or negligent-security claims with no remedial narrative.
  • Contracts requiring limits or services beyond the current policy wording.
  • Poor or missing incident logs, CCTV evidence, patrol records or supervisor reviews after losses.
  • Client sectors with high severity, high footfall, high value property or higher confrontation exposure.

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Why Some Security Quotes Are Declined

A declined quote often reflects uncertainty as much as severity. Insurers dislike risks they cannot understand or evidence.

Common Decline Reasons


  • Activity descriptions are too broad, contradictory or incomplete.
  • Claims history is unexplained, especially where reserves remain open or incident evidence is weak.
  • The firm has grown quickly into higher-risk sectors without stronger supervision or training evidence.
  • Contract wording creates obligations the insurer does not want to pick up, such as broad loss-prevention guarantees.

How To Improve The Submission


  • Break the risk into activity, wage roll, turnover, client sector, contract limits and claims categories.
  • Explain what changed after every meaningful claim or complaint.
  • Attach sample assignment instructions, licence audits, training records, vehicle controls and cyber controls.
  • Use a specialist broker narrative that makes the account easy to understand before terms are requested.

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

SIA And Contract Insurance Requirements

SIA licensing does not make every insurance section automatically mandatory, but licensing, approved-contractor standards and client procurement often create practical insurance requirements.

Mandatory And Practical Requirements


  • Employers' liability is legally required in many UK employment situations, subject to limited exceptions.
  • Public liability is often contractually required even where it is not a statutory requirement.
  • Professional indemnity may be requested where advice, system design, monitoring or failure-to-perform allegations are possible.
  • Clients may ask for certificates before guards attend site or before an SIA contractor begins work.

Evidence To Prepare


  • Current policy schedules, limits of indemnity, insurer name and activity description.
  • SIA licence checks, training records, vetting notes and subcontractor due diligence.
  • Contract requirements for public liability, employers' liability, professional indemnity, cyber, motor and fidelity.
  • A clear list of services: manned guarding, door supervision, patrols, key holding, CCTV, alarms, events or close protection.

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Insurance Clauses To Check Before Signing Security Contracts

Client contracts can create insurance problems before a claim ever happens. Security companies should check the wording before accepting limits, indemnities, response promises or activities the policy has not been asked to cover.

Clauses That Need Review


  • Public liability, employers' liability, PI, cyber, motor and fidelity limits that exceed current cover.
  • Indemnity, hold harmless, additional insured and waiver of subrogation wording.
  • Penalty, liquidated damages, guaranteed response-time or consequential-loss clauses.
  • Subcontractor, agency-worker, self-employed guard and principal-contractor responsibility wording.

What To Do Before Signing


  • Send the full insurance and liability clauses to a broker before committing to the contract.
  • Check the declared activities include door supervision, retail detention, events, key holding, patrols, response, CCTV or close protection where relevant.
  • Compare required limits against the policy schedule, statement of fact, endorsements and exclusions.
  • Use the security contract insurance clauses guide to prepare a contract review pack.

Unsure if this is covered? Ask for a security insurance review before you rely on the wording.

Ask A Broker For A Security Insurance Review

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Policy Exclusions Security Companies Should Check

A security policy can look broad on the schedule but still restrict specific activities, allegations or contract obligations. Exclusions should be reviewed before quoting, renewal and contract signing.

Common Exclusion Areas


  • Assault, excessive force, wrongful arrest, false detention and deliberate or criminal conduct.
  • Theft, unexplained disappearance, property in custody, unattended keys and lost access fobs.
  • Dog handling, firearms, cash in transit, overseas work and specialist close-protection assignments.
  • Subcontractors, agency workers, self-employed guards and contractual liability assumed under client agreements.

How To Reduce Cover Problems


  • Check exclusions against the actual work: guarding, door supervision, events, retail, key holding, CCTV, patrols and response.
  • Ask for written confirmation where an insurer agrees to cover an activity that is restricted or unusual.
  • Keep SIA records, incident logs, key registers, subcontractor evidence, training records and contract review notes.
  • Use the security insurance exclusions guide before relying on cover for higher-risk work.

Unsure if this is covered? Ask for a security insurance review before you rely on the wording.

Ask A Broker For A Security Insurance Review

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Security Company Insurance Renewal Checklist

Renewal is the best time to explain growth, claims, contract changes and risk controls before insurers price the account. A weak renewal pack can make rising premiums harder to challenge.

Renewal Information To Prepare


  • Updated wage roll, turnover, guard count, supervisor count, vehicle schedule and subcontractor spend.
  • Activity split across guarding, door supervision, retail, events, key holding, patrols, response, CCTV and close protection.
  • Five-year claims history with cause, reserve, settlement, current status and remedial action.
  • Client contracts, required limits, SIA records, training logs, incident evidence, key procedures and cyber controls.

Why It Helps


  • Insurers can price the real activity mix rather than assuming every security firm has the same risk profile.
  • Claims explanations can separate a one-off incident from poor controls or repeated frequency.
  • Contract and exclusion reviews can prevent a renewal being technically cheaper but commercially weaker.
  • Use the security company insurance renewal checklist before renewal terms are requested.

Unsure if this is covered? Ask for a security insurance review before you rely on the wording.

Ask A Broker For A Security Insurance Review

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Which Insurers Cover Security Companies?

The right market depends on the work. Some insurers prefer low-confrontation guarding, while others may consider mixed security, technology-led work or larger contract portfolios.

Markets May Consider


  • Security contractors with clean licensing, clear contracts and well-documented controls.
  • Firms with mixed guarding, patrol, key holding, CCTV or alarm exposures where the activities are declared accurately.
  • Businesses that can explain prior claims and demonstrate what changed afterwards.
  • Larger guarding operations where wage roll, turnover, contracts, limits and claims data can be presented in detail.

How Insure24 Helps


  • Frames the risk for insurers using the language underwriters expect.
  • Separates people-led, technology-led, vehicle-led, cyber and contract-led exposures.
  • Helps compare policy structure rather than only comparing headline premium.
  • Connects each page back to the main Security Company Insurance hub for a clearer buyer journey.

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Documents That Improve Security Insurance Quotes

Security-company quotations are usually stronger when insurers can see how the business actually manages people, contracts, incidents and evidence.

Operational Documents


  • Assignment instructions for each major contract, including duties, escalation points, patrol expectations and reporting lines.
  • SIA licence records, vetting notes, training logs, refresher training, induction material and supervisor sign-off.
  • Incident reports, complaint records, near-miss logs, bodycam policy, CCTV-retention procedures and evidence-preservation steps.
  • Lone-working procedures, welfare checks, vehicle-use rules, key-management logs and alarm-response attendance records.

Insurance Documents


  • Current policy schedule, statement of fact, claims history, wage roll, turnover split and list of declared activities.
  • Client contract insurance clauses showing required public liability, employers' liability, professional indemnity, cyber, motor or fidelity limits.
  • Subcontractor agreements, insurance checks and responsibility wording where agency workers or self-employed guards are used.
  • A clear explanation of any previous claims, what caused them and what changed afterwards to reduce recurrence.

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

How To Reduce The Risk Before Renewal

The best premium reductions usually come from making the account easier to underwrite, not from stripping away essential cover after a quote arrives.

Controls Insurers Value


  • Clear service descriptions separating guarding, door supervision, patrols, response, CCTV, alarms, key holding, events and close protection.
  • Better incident evidence, including time-stamped patrol logs, escalation notes, supervisor review and retained footage where lawful and appropriate.
  • Staff training around conflict management, use of force, search procedures, vulnerable people, evidence handling and complaint escalation.
  • Regular review of high-risk contracts so the insurance programme matches the actual work being performed.

Buying Decisions To Review


  • Whether the public liability, employers' liability, professional indemnity, cyber, fidelity and motor limits still match client contracts.
  • Whether higher excesses are affordable and sensible, rather than simply a way to make the premium look smaller.
  • Whether the business has grown into new sectors such as events, retail loss prevention, construction sites or licensed premises.
  • Whether the cover should be presented as one security-company programme or split into clearer sections for underwriting.

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Common Mistakes Security Companies Make When Buying Insurance

Security insurance mistakes usually happen when buyers treat all security work as one generic risk. Insurers price the real activities, evidence, contracts and claim potential.

Buying Mistakes


  • Buying only public liability when contracts or services also need employers' liability, PI, cyber, fidelity, legal expenses or vehicle cover.
  • Describing the business as general security without separating guarding, door supervision, retail, events, patrols, response, key holding and CCTV.
  • Ignoring exclusions for assault, wrongful arrest, theft, unattended keys, subcontractors or contractual liability.
  • Choosing the cheapest premium without comparing limits, excesses, endorsements, excluded activities and insurer appetite.

Better Buying Actions


  • Prepare a quote pack using the security quote information checklist.
  • Use activity splits by wage roll and turnover so lower-risk work is not blurred with higher-risk activities.
  • Check policy wording against the security insurance exclusions guide.
  • Compare cover quality as well as price, especially where contracts require high limits or specialist activities.

Unsure if this is covered? Ask for a security insurance review before you rely on the wording.

Ask A Broker For A Security Insurance Review

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Common Mistakes Security Companies Make At Renewal

Renewal mistakes can make premium increases harder to challenge because insurers see incomplete information, unexplained claims or unclear changes in activity.

Renewal Mistakes


  • Waiting until the final week before renewal to explain claims, changed contracts or increased guard numbers.
  • Sending a claims printout without explaining cause, reserve, settlement, current status and remedial action.
  • Failing to update wage roll, turnover, vehicles, subcontractors, key holding, cyber systems or new security services.
  • Comparing renewal only by premium while missing higher excesses, narrower wording, exclusions or subjectivities.

Better Renewal Actions


  • Start 60 to 90 days before renewal using the security insurance renewal checklist.
  • Explain what changed after every claim, complaint, near miss or insurer concern.
  • Separate new work such as door supervision, event security, retail detention, key holding, alarm response and CCTV monitoring.
  • Compare premium, limits, excesses, exclusions, warranties and insurer conditions before accepting terms.

Unsure if this is covered? Ask for a security insurance review before you rely on the wording.

Ask A Broker For A Security Insurance Review

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

How Insurer Appetite Affects Security Insurance Cost

Better appetite usually means more insurer options and cleaner terms. Poor appetite can mean higher premium, higher excesses, narrower wording or no quote.


  • Low-confrontation guarding with clear contracts, clean claims and strong records is usually easier to place.
  • Door supervision, retail loss prevention, event security, key holding, alarm response and claims-affected accounts need stronger explanation.
  • Open claims, missing records, vague activity descriptions and broad contract obligations can push premiums up quickly.
  • A clear underwriting pack can improve insurer confidence even where the business operates in higher-risk security sectors.

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES

Security Contractors In Facilities Management Contracts

Security companies often appear inside wider facilities management contracts, especially where guarding, key holding, CCTV, access control and mobile patrols are bundled with cleaning, maintenance or property services.

Frequently Asked Questions

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What do insurers ask before quoting security companies?

They usually ask for activity split, wage roll, guard count, SIA records, contracts, claims history, subcontractor use, vehicles, key holding, cyber systems, client sectors and required limits.

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Why do insurers decline some security companies?

Common reasons include unclear activities, high-confrontation work, unexplained claims, weak SIA or training evidence, poor incident records, contract wording issues or undeclared key holding, response, events or retail work.

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How can a security company improve insurer appetite?

Prepare a clear submission with activity splits, claims explanations, SIA checks, assignment instructions, training records, incident logs, patrol evidence, vehicle controls, key procedures and cyber controls.

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Do claims always prevent a security company getting insurance?

No. Claims matter, but insurers also look at cause, reserve, settlement, evidence and remedial action. A well-explained claim is easier to place than a vague unexplained loss.

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Does SIA licensing improve insurer appetite?

Licensing can support the underwriting story, but it does not replace insurance evidence. Insurers still need to understand contracts, activities, claims, staff controls and policy limits.

Get Security Company Insurance Quotes

Tell us about your guards, contracts, SIA activities, vehicles, claims history and required limits so the quote can be shaped around the actual security work.

Get Security Company Insurance Quotes

Need help with contract wording or SIA evidence? Speak to a security insurance specialist

SPEAK TO A SECURITY INSURANCE SPECIALIST GET SECURITY COMPANY INSURANCE QUOTES
Core Page

Back To Security Company Insurance

Use this page for an overview of security company insurance, then explore the related cover options if you want more detail on cyber, commercial combined or professional indemnity risks.

Open security company insurance
  • Keeps the core security-services page focused on the whole operating model.
  • Moves into relevant cover options when the enquiry is really about cyber, package structure or advice-led liability.
  • Makes it easier to compare the main insurance options for security-service businesses.

Security Insurance Navigation

Use these links to explore related insurance pages and find the cover information most relevant to your security business.

Related Covers

Security-company pages should also connect back into the wider commercial journey around pricing, comparison and cover structure.

Insure24 is an FCA authorised and regulated broker (FRN: 1008511) with access to insurer-panel options including Aviva, Allianz and Zurich where appropriate.