Next Insurance

Security Guard Insurance

You can save up to 25% in discounts on business insurance.*

Business Insurance for +1300 businesses
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Security guard insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the security guard insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Commercial auto
  • Commercial property

You can save up to 25% in discounts on security guard insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$85,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We’ll help you get the security guard insurance coverage you need
It’s all about managing your risk. See the different policies available for security guards and save up to 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance is included in most business insurance packages, including security guard business, because it covers the risks that many business owners face every day. It's not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Commercial auto insurance helps security guards cover injuries and damages resulting from work-related car accidents. Most states require commercial auto insurance for business-owned vehicles in order to help pay for medical expenses and property damage.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance is one of the most common types of small business insurance security guards buy because of the different types of coverage it offers. It helps with replacement or repair costs if property is stolen or damaged due to a covered event, such as a burst water pipe, fire or vandalism.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
How much does business insurance cost

How much does security guard insurance cost?

Security guard insurance costs vary based on the risks that your business faces, such as:

  • The types of projects you work on
  • Where your business is located
  • Your payroll and the kinds of jobs you do
  • The number and types of vehicles you use at work

You can save up to 25% in discounts on business insurance, depending on the kind of work you do. More risky professions can expect to pay more.

Everything you want to know about Insurance

Security guard insurance requirements

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Get a security guard license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
  • Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ comp.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about security guard insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general liability coverage for security guards?

Yes, NEXT Insurance offers general liability, commercial auto and commercial property insurance coverage for security guards.

Does NEXT Insurance offer commercial auto coverage for a security guard business?

Yes, NEXT Insurance offers commercial auto insurance, general liability and commercial property insurance coverage for security guards.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

What do I need to get an insurance quote online for my business?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for entertainment insurance, we’ll ask you a few basic questions about your business, including:   
  • The kind of photography or entertainment services you offer
  • The number of people you employ and how much you pay them
  • The number and type of vehicles you use for work
  • The locations where you plan to work
Certificate of Insurance

NEED A FAST CERTIFICATE OF INSURANCE?

Download the NEXT mobile app and get your COI in seconds.
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Security Guard, Private Detective
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2023 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.