Connect coverage to the actual operation
Unarmed does not mean low risk. Claims may allege failure to protect, negligent hiring or supervision, wrongful detention, discrimination, excessive force, property damage, or failure to follow post orders. Coverage and controls should match the precise duties performed at every client location.
Risks to review
- Failure to protect, delayed response, wrongful detention, and civil-rights allegations
- Physical confrontation, employee injury, patron injury, and property damage
- Retail loss prevention, residential access control, events, and crowd duties
- Contractual scope, post orders, documentation, and supervision failures
Information to prepare
- Client types, posts, duties, schedules, payroll, revenue, and territory
- Hiring, background checks, training, post orders, supervision, and quality control
- Incident reports, escalation, detention, evidence, and complaint procedures
- Contracts, vehicle use, equipment, claims, and current coverage
Frequently asked questions
Do unarmed firms need professional liability?
Security-services errors or alleged failure to perform professional duties may not fit ordinary general liability as intended. Specialized professional liability should be evaluated.
Why are post orders important?
They document assigned duties, escalation paths, prohibited conduct, reporting, and client expectations, helping align operations, training, contracts, and insurance.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.