Security and protection industry liability

Standard liability policies don’t come close to meeting the unique needs of the Security and Protection Industry. Markel is Canada’s leading insurer for Security and Protection Professionals with more experience and in-depth knowledge of the needs of the Private Security Industry than any other company in the marketplace. We have been writing cover for this class of business for over 30 years, your trusted provider. We have a custom designed policy providing cover for “failure to perform” and “errors and omissions”.

Cropped image of businessman's hands covering paper team on wooden table

Coverage is intended for Canadian domiciled risks however, we have the underwriting flexibility to accommodate some US and foreign exposures. We can tailor a package policy providing Commercial General Liability, E&O, Employee Fidelity and Commercial Property cover.

Scope of cover

Coverage features

  • $5M capacity
  • Access to our umbrella for higher limits
  • Broad care custody control exclusion not applied to property being protected
  • Broad personal injury covers false arrest, invasion of privacy, discrimination, libel & slander
  • Defence costs in addition to policy limits
  • Failure to perform not excluded
  • Intentional injury in defence of property or persons covered
  • Loss of property by theft (or other) covered
  • Occurrence based policy form
  • Standard CGL features apply

Target features

  • Alarm monitoring / Call Centres / 911
  • Investigation services (paralegal included)
  • Locksmith operations
  • Security guards (stationary, mobile, loss prevention, armoured car & canine units)
  • Security product manufacturers
  • Security system installers / access control
  • Security training facilities

Coverage enhancements

  • Blanket written contractual liability cover
  • Employee dishonesty (Form A) with third party extension
  • E&O cover available on certain classes
  • License and miscellaneous bonds cover
  • Lost key and Halon release cover
  • Non-owned automobile covers damage caused by insured operating and/or moving the vehicle
  • Pollution covers hostile fire and 120 hour reporting
  • Property package policy available
  • US Sales and incidental operations available