Who insures Security guards and armed guards?
Security guards and armed guards is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.
6 markets publicly write Security guards and armed guards: Brownyard Group, The Mechanic Group, Kinsale Insurance, Prime Insurance Company, Philadelphia Insurance Companies and others. 2 E&S carriers, 1 program administrator, 1 MGA, 1 admitted carrier, 1 wholesaler. 2 on admitted paper. 1 through surplus lines.
By Sam Alishahi, independent insurance broker
Who says they write it
From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.
| Market | What they say they write | Where | Paper | Source |
|---|---|---|---|---|
| Brownyard Group Program administrator | Brownguard liability program for private security guard contractors, governmental and proprietary security contractors, executive protection contractors and HOA security contractors, plus commercial excess, third-party dishonesty and business auto; admitted in all states except LA, TX and WA. “Brownguard® security guard insurance is available in all states except Nebraska.” | all states except Nebraska | Admitted | brownyard.com · read 2026-10-28 |
| The Mechanic Group MGA | Exclusive MGA programs for security guard and private investigation firms: commercial liability including E&O, commercial umbrella/excess and workers' compensation. “The Mechanic Group is the leading MGA writer of Security Guard, Private Investigation,” | not stated | not stated | mechanicgroup.com · read 2026-10-28 |
| Kinsale Insurance E&S carrier | General casualty and excess casualty for armed and unarmed security firms and detective agencies; professional liability or excess professional for security firms and consultants. “Armed and unarmed security firms and detective agencies need coverage for their day-to-day operations.” | not stated | not stated | kinsaleins.com · read 2026-10-28 |
| Prime Insurance Company E&S carrier | Specialized liability coverage for armed and unarmed guards, event guards, executive guards and any security service or security guard company. “Any Security Service or Security Guard!” | not stated | Surplus lines | primeis.com · read 2026-10-28 |
| Philadelphia Insurance Companies Admitted carrier | The Guardian security services program: general liability, property, automobile, and crime and fidelity, including assault & battery and false arrest; admitted basis in most states. “We specialize in the Security Services industry.” | not stated | Admitted | phly.com · read 2026-10-28 |
| XINSURANCE Wholesaler | Liability solutions for armed and unarmed security guards, patrol services, event security, executive protection/bodyguard companies, including firearms liability for armed guards. “We can find firearms liability solutions for armed guards” | not stated | not stated | xinsurance.com · read 2026-10-28 |
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