Security Company Insurance in Denver, CO
Whether you’re a Colorado security company, a construction site, or a commercial organization in need of security services, finding the right insurance coverage is critical. Moody Insurance offers tailored security company liability insurance in Denver, CO, to ensure that your business stays protected against the risks that come with providing professional security services. From security guard services to surveillance systems and risk management, we provide insurance solutions designed to meet the unique needs of the security industry.
For firms outside Denver, see our coverage in Colorado Springs and Grand Junction.
Why Security Company Liability Insurance Matters in Denver
Security companies in Denver face distinct challenges, from managing security for downtown commercial properties to working with event venues and construction projects along the Front Range. Moody Insurance understands local regulations and partners with security providers across the metro area to ensure full compliance and risk protection.
Moody Insurance understands the importance of protecting your company’s assets, reputation, and employees. As a provider of liability insurance for security companies, our policies are specifically designed to cover the unique challenges faced by those in the security industry. Whether you’re offering guard services, camera systems, or concierge services, our coverage options ensure that your security company is safeguarded against various types of claims.
Types of Coverage for Security Companies in Denver
Security companies in Denver require comprehensive security guard liability insurance solutions to cover various aspects of their operations. Moody Insurance offers a range of policies designed to protect your organization and its employees. Some of the key coverage options include:
General Liability Insurance
General liability insurance is essential for any business, but especially for those in the security industry. This type of coverage protects your company against claims arising from property damage, bodily injury, or third-party claims. For example, if a security officer accidentally causes damage while performing their duties, this insurance helps cover the cost.
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is critical for security companies that provide advisory or consulting services. If a client files a claim due to negligent security practices or a failure to respond to a threat, this coverage can protect your business from costly legal fees and damages.
Workers’ Compensation Insurance
Employees in the security industry face potential risks while on the job, including workplace violence, injury, and accidents. Workers’ compensation insurance provides coverage for medical expenses, lost wages, and legal fees if a security guard or officer is injured on duty. This insurance is not only essential for the well-being of your employees but is also required by law in most states, including Colorado.
Commercial Property Insurance
Commercial property insurance protects your company’s physical assets, including office equipment, security cameras, and surveillance systems. If your building or equipment is damaged due to a fire, theft, or natural disaster, this coverage helps your business recover quickly. For security companies offering construction site security, this policy can also cover the materials and equipment on-site.
| Coverage Type | What It Covers | Why It Matters for Security Companies |
| General Liability | Property damage, bodily injury | Protects against third-party claims |
| Professional Liability | Errors or negligence | Covers security consultation or monitoring errors |
| Workers’ Compensation | Employee injury | Required by law in Colorado |
| Cyber Liability | Data breaches, hacking | Protects client information |
| Umbrella Insurance | Excess claims | Adds extra protection beyond limits |
Managing Risk in the Security Industry
Risk management is a key component of any security company’s operations. Whether you’re managing a team of security officers, installing security systems, or providing vehicle patrols, mitigating risk is essential to ensure the safety of your clients and employees.
Moody Insurance provides risk management solutions that help reduce potential liabilities, such as theft, property damage, or legal claims. By assessing your company’s unique needs and risk exposure, we can tailor a policy that addresses the specific challenges faced by your security company.
The Benefits of Insurance for Security Guard Services
For security companies offering security guard services in Denver, comprehensive insurance is an investment in both your team and your customers. Security guards face risks on a daily basis, from responding to violent situations to managing workplace crime. Insurance helps protect your security guards from unforeseen circumstances, ensuring that they have the support they need if something goes wrong.
Moreover, security company liability coverage coverage helps to maintain your company’s reputation by proving to clients that you have the proper safeguards in place. Whether you’re working with law enforcement, securing properties, or providing security camera systems, your clients can feel confident knowing that your business is properly insured and prepared for any situation.
Frequently Asked Questions About Security Company Liability Insurance
What does security company liability insurance cover in Colorado?
Security company liability insurance covers the unique risks faced by security professionals, including property damage, bodily injury, and negligence claims that occur during business operations. It can also include protection against false arrest, invasion of privacy, or loss of client property. The goal is to safeguard your business from costly lawsuits and ensure compliance with Colorado’s insurance requirements.
How much does security company liability insurance cost in Denver?
The cost of security company liability insurance varies based on several factors—such as company size, number of employees, the types of services offered (patrol, alarm monitoring, armed security, etc.), and claim history. On average, small to midsize security companies in Denver can expect to pay between $1,200 and $5,000 per year for comprehensive coverage. Moody Insurance provides customized quotes to help you balance cost and protection effectively.
What’s the difference between general liability and professional liability for security firms?
General liability covers third-party injuries, property damage, or accidents that occur during normal operations. Professional liability—also known as errors and omissions (E&O) insurance—protects against claims related to professional mistakes or negligence, such as failing to perform contracted duties or providing improper advice. Most security firms need both types of coverage for complete protection.
Do I need both workers’ compensation and liability insurance for my security company?
Yes. Colorado law requires all employers to carry workers’ compensation insurance to cover employee injuries on the job. However, this coverage does not protect your business from client or third-party claims. Liability insurance complements workers’ comp by covering property damage, bodily injury, or legal costs arising from your company’s security operations. Together, they provide comprehensive protection for both employees and the business.
Can security company insurance include cyber liability protection?
Absolutely. Many modern policies now include or can be expanded to add cyber risk insurance coverage. This protects your business from cyberattacks, data breaches, or hacking incidents that expose sensitive client or operational data. With more security firms relying on surveillance software, digital reporting, and client databases, cyber liability insurance is an essential safeguard against modern threats.
Does security company liability insurance meet client contract requirements?
In most cases, yes. Many commercial and government contracts require proof of liability coverage with minimum limits before you can begin work. Moody Insurance helps ensure your security company liability insurance meets these contractual obligations and provides the documentation needed to secure new clients and projects confidently.
How do I choose the right coverage for my security business?
The best approach is to work with an experienced insurance advisor who understands the security industry. Moody Insurance tailors each policy to fit your company’s size, operations, and risk exposure—ensuring that you’re covered where it matters most, without overpaying for unnecessary add-ons.
Ready to protect your security business? Get a customized quote for security company liability insurance in Denver from Moody Insurance, or explore additional protection through our Cyber Liability Insurance coverage.
Security Company Insurance Solutions from Moody Insurance
At Moody Insurance, we are committed to providing security companies in Denver with the best insurance solutions available. Our expertise in the security industry allows us to offer customized policies that address the unique risks you face. From coverage for security officers and guard services to commercial security systems and surveillance, we help you protect your business and employees.
As a trusted insurance provider in Denver, we understand the importance of customer service and communication. We work closely with each of our clients to develop personalized coverage that fits your specific needs and budget. Our team is here to help you navigate the complexities of insurance so that you can focus on what matters most: providing reliable security services to your customers.
Get the Right Insurance Coverage Today
When it comes to securing your security company in Denver, don’t leave anything to chance. Moody Insurance is here to help you manage risk and protect your organization with comprehensive security company liability insurance solutions. Get your quote for security company liability insurance in Denver today. Contact us today to learn more about how we can help safeguard your business and employees.
Moody Insurance: Serving Denver metro & surrounding Colorado areas since 1972.
