Security Guard Company Insurance in New Jersey
The defining claim for a security company is assault and battery — and it's the very thing standard general liability policies exclude. A guard restrains someone, a confrontation escalates, and the resulting claim falls straight into a gap unless the policy is built for the industry.
The assault & battery exclusion
Standard GL excludes assault and battery — which is the core exposure of a business whose job is to physically manage people. Without a specific A&B endorsement, a security company is effectively uninsured for its most likely serious claim. This is the single most important thing to get right, and it usually requires an E&S carrier.
Armed, unarmed, and NJ SORA
New Jersey licenses security officers under SORA, and armed operations carry sharply higher exposure than unarmed. Contracts with property owners and municipalities will require specific limits and additional-insured status. We match the policy to whether you're armed, what you guard, and what your clients demand.
Get your quote
Kevin Brown Insurance Agency is an independent NJ agency — Kevin Brown is a licensed NJ resident producer (License #3003694894) who shops multiple carriers to match security guard company insurance to your actual operation. Call 732-944-1791 or start online for real options with the tradeoffs explained.