Comprehensive Coverage for the Security Industry: What Security America Offers

By Crystal Jacobs, Program Lead at Security America 

For nearly 20 years, Security America has been committed to providing security industry professionals with comprehensive insurance solutions, competitive pricing, and exceptional service. As the risks facing businesses continue to evolve, we remain focused on delivering the protection our members need. 

The Foundation of the Security America Program 

The Security America program has long provided comprehensive insurance solutions tailored specifically to the security industry, including: 

• Professional Liability Coverage 

• General Liability Coverage 

• Excess/Umbrella Liability Coverage 

• Hired & Non-Owned Auto Liability (HNOA) 

• Employer’s Liability Coverage (available in select states) 

• Employee Benefits Liability Coverage 

• Comprehensive Cyber Coverage 

But did you know we also offer… 

Property, Contractors Equipment & Installation Coverage (Inland Marine) 

Theft, vandalism, and rising equipment costs continue to create significant exposures for businesses. Our Inland Marine coverage can help protect your tools, cameras, business personal property, and other valuable equipment from theft, accidental damage, and many other causes of loss. 

Consider this scenario: You have equipment staged and ready for installation at a customer’s location, but ownership and responsibility have not yet transferred to the customer. Before installation can be completed, a fire destroys the equipment. Who pays for the replacement costs? 

This is where Inland Marine coverage can help. Through the Balance Partners Inland Marine program, we offer a variety of coverage options, including limits for unscheduled property as well as scheduled coverage for higher-value equipment. For qualifying insureds, we may also be able to provide property coverage for owned office buildings as part of a comprehensive insurance solution. 

Workers’ Compensation 

Accidents happen, and Workers’ Compensation insurance plays a critical role in protecting both your employees and your business. When an employee suffers a work-related injury or illness, Workers’ Compensation coverage helps provide medical benefits, lost wage compensation, and other statutory benefits while also addressing the employer’s liability exposure. 

Through our nationwide partnership with AmTrust, we can assist insureds with their Workers’ Compensation needs across the country. For qualifying accounts, we may also be able to provide Commercial Auto coverage as part of a broader insurance package. 

Employment Practices Liability Insurance (EPLI) 

Managing employees has become increasingly challenging in today’s legal environment. Even businesses with strong hiring practices and workplace policies can face allegations from current, former, or prospective employees. 

Employment Practices Liability Insurance (EPLI) helps protect your business against claims alleging wrongful termination, discrimination, harassment, retaliation, failure to hire or promote, and other employment-related matters. The costs associated with defending these claims can be substantial—even when allegations are ultimately found to be without merit. 

More Than Insurance Coverage 

At Security America, we understand that insurance is only one part of managing your business. Our team is committed to providing responsive service and practical support to help you meet the day-to-day demands of your operations. Whether you need a certificate of insurance issued quickly for a new contract, assistance reviewing insurance requirements in a customer agreement, or guidance regarding coverage questions, our experienced team is here to help. We pride ourselves on our fast certificate turnaround times, personalized service, and understanding of the unique contractual and risk management challenges faced by security industry professionals. 

Don’t Forget Your ESA Membership Savings 

One of the many benefits of ESA membership is access to the Security America insurance program. In many cases, the premium savings available through the program can completely offset the cost of membership while providing access to coverage specifically designed for the security industry. 

For more information about the Security America insurance program and any of these coverage offerings, contact Rhett Butler or Crystal Jacobs and the Security America team at 866-315-3838.