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Liability Insurance for Security Professionals
Over 50 years ago, Brownyard Group pioneered the development of liability insurance coverage specifically for the security guard industry with our Brownguard® program. We are recognized as one of the largest U.S. insurance providers providing competitive prices and a complete package of coverages to:
- Private Security Guard Contractors
- Proprietary Security Guard Contractors
- Governmental Security Contractors
- Executive Protection Contractors
- Private Security Contractors for Homeowners Associations
Coverages
Brownguard goes above and beyond standard coverages to provide a comprehensive package of services, protecting security guards against both common industry risks and unforeseeable crises. Call Tory Brownyard at 1-800-645-5820 for more information about these coverages.
Brownyard’s Brownguard Program offers customized coverage featuring:
General Liability
- Professional Liability
- Assault & Battery
- Broad Form Property Damage
- Errors & Omissions
- Personal Injury
- Lost Key Coverage
- Incidental Medical Malpractice
- False Arrest
- Invasion of Privacy
- Malicious Prosecution
- Libel & Slander
Commercial Excess Liability
Commercial Excess Liability coverage can be tailored to meet your specific needs and exposures. In general, these products are:
- Licensed and admitted in most states.
- Available with limits up to $10,000,000 to protect against that once-in-a-lifetime judgment.
Workers' Compensation
Brownyard Group offers custom-tailored Workers’ Compensation coverage through our highly skilled and responsive staff.
- Highly rated insurance carriers
- Available in all states (except AK, HI and the monopolistic states of OH, ND, WA & WY)
- Convenient, interest-free payment options
- Competitive pricing
Business Auto
The Brownyard Business Auto Program is designed especially for our General Liability clients in the Security Guard industry and is:
- Available with Liability limits as low as state minimums and as high as $1,000,000 CSL.
- Written with a highly rated carrier
- Competitively priced
- Available in all US states except FL, MA, NE & WA
- Admitted in all states where offered
Commercial Property
For our General Liability clients, our Commercial Property product provides coverage for:
- Building and Business Personal Property coverage
- Business Income and Extra Expense coverage
- Tenant Glass & Sign coverage
Inland Marine
The Inland Marine Program is designed to offer Mobile Property and Electronic Data Processing (EDP) coverage to our General Liability clients.
- Written with a highly rated carrier
- Competitively priced
- Available in all US states
Third Party Employee Dishonesty (Crime)
Third Party Employee Dishonesty is offered to protect against service contractor employees who perpetrate dishonest acts against their customers.
- Unique coverage not usually offered by many general liability/standard fidelity bonds
- Available in all states
- Highly Rated Carrier
- Various Limit and Deductible Options
- Separate Limit available by endorsement for individual contract(s)
- 1st Party Coverage can be included (as a add-on)
- In-house Claims Handling
Applications
Commercial Property – requires ACORD forms 125 & 140
Inland Marine – requires ACORD forms 125, 146 (Equipment Floater Section) & 148 (Electronic Data Processing Section)
Send completed form(s) to:
Brownyard Group
21 Maple Avenue
Bay Shore, NY 11706
Fax: 631-666-5723
Email: info@brownyard.com
FAQs - Questions About Security Professionals Insurance
How do we apply for coverage?
Please ask your broker to mail, email or fax the completed required information as soon as you can. There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We can usually have a quote for you within a few days.
What information is required for a quote?
- For General Liability and Workers’ Compensation: Completed, signed BrownGuard application
- For Commercial Excess, Auto and Third Party Dishonesty: Completed, signed Brownyard application
- For Auto, Property, Inland Marine and Workers’ Compensation: Completed, signed ACORD applications
- Four-year loss run information
- Detailed Resume (for clients with under three years experience in the industry)
- Copy of Broker’s License, proof of Errors & Omissions Insurance and a W-9 Form
- We will need the signed, original application to bind coverages, but there no original signature is required to quote
In what states is the coverage available?
Brownguard security guard insurance is available in all states except Nebraska and Wyoming.
What limits can you write?
We can provide limits as low as $300,000 and as high as $11,000,000.
Are there minimum premiums?
Yes. Our policies are subject to minimum premiums as follows:
- $300,000 limit: $2,500 minimum premium
- $500,000 limit: $3,000 minimum premium
- $1,000,000 limit: $3,500 minimum premium
Can I get my Business Auto Coverage at Brownyard?
Yes, Business Auto is available in all states except FL, MA, NE & WA. Call our office for details.
Does Brownyard write Property & Inland Marine coverage?
Yes. See our Brownguard Coverages tab for more details.
Is Workers' Compensation coverage available?
Yes. It is available in all states (except AK, HI and the monopolistic states of ND, OH, WA & WY).
What are your carrier’s ratings?
We only write our program through the very best carriers that have ratings of “Superior” or better.
Is your Program admitted?
Our Brownguard insurance for security guards program is admitted in all states except LA, TX & WA.
Are your rates competitive?
The coverages we offer are not only very broad, but very reasonably priced.
Can I get a lower premium if I go directly to Brownyard without a broker and their commission?
No, we value the relationship between you and your insurance representative and encourage you to stay with a local broker for the best possible service.
Eligibility Map
Key:
Eligible States
Ineligible States