Security Services Insurance: Product Highlights

Metro understands how to provide a flexible and comprehensive insurance program for the security industry. Security guard insurance, armed and un-armed guard coverages, patrol services, security consulting and more. We can insure armored car risks, as well as private investigators and detectives. Coverage is provided on an admitted basis in most states. This page will describe the key benefits and product highlights that we offer.

Key Benefits

General Liability

  • Comprehensive General Liability - limits to $1M per occurrence/$3M aggregate
  • Premises Liability
  • Errors & Omissions (Professional Liability) coverage included within the General Liability
  • Personal Injury Liability
  • Employee Benefits Liability
  • Broad Form Property Damage
  • Assault & Battery
  • Lost Key coverage
  • False Arrest coverage
  • Invasion of Privacy
  • Malicious Prosecution
  • Libel & Slander
  • Wage Freeze endorsement available (freezes guard wages at a given level for premium computation purposes)


  • Building, Contents, Business Income, Crime, Boiler, Inland Marine, and all Property coverages are available
  • Special Causes of Loss coverage
  • Elite Property Enhancement provides Personal Property of Others - $10,000, Valuable Papers and Records - $50,000, Accounts Receivable - $25,000, Business Income and Extra Expense - $100,000, EDP Equipment and Media - $50,000,
    Off-Premises Power Failure

Umbrella/Excess Liability

  • Large Excess Limits available

Commercial Auto

  • Owned/non-owned/hired auto

Crime and Fidelity

  • Money and Securities
  • Money Orders and Counterfeit Paper Currency
  • Employee Dishonesty

Additional Coverages

  • Bell Endorsement - Includes $50,000 limits each for Business Travel Accident Benefit, Donation Assurance, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses,
    Kidnap Expense, Terrorism Travel Reimbursement, and Workplace Violence Counseling. $25,000 limits for each Conference Cancellation, Fundraising Event Blackout, Political Unrest ($5,000 per employee), Temporary Meeting Space Reimbursement, and $1,500 Travel Delay Reimbursement
  • Crisis Management Enhancement Endorsement - $25,000 limit for crisis management emergency response
    expenses incurred because of an incident giving rise to a “crisis”

Risk Management Services

  • Product specific web-based Risk Management Services solutions through
  • Free online interactive Defensive Driver Training course and examination
  • Regular e-flyer communications on current Risk Management Services issues and Large Loss Lessons Learned
  • Strategic partnership with best-in-class vendor for discounted background & motor vehicle record (MVR) checks

Documents Required for Proposal

  • Completed, signed, and dated PHLY Security Services Supplemental application
  • Completed ACORD application(s)
  • Currently valued insurance company loss runs for the current policy period plus four (4) prior years
  • Brochures, advertising materials, and website information
  • Copy of service agreements/contracts