Understanding Assault and Battery Coverage for Armed Security Guards

Operating an armed security guard business comes with unique risks, particularly when employees are required to use physical force to protect clients or property. One critical, yet often overlooked, aspect of insurance coverage is Assault and Battery (A&B) Coverage. This specialized liability protection is essential for armed security businesses, ensuring financial protection in the event of claims related to physical confrontations or excessive use of force.

If you operate a security guard business, this article will explain the importance of Assault and Battery Coverage and why it’s crucial for your armed personnel.

What is Assault and Battery Coverage?

Assault and Battery Coverage protects security companies from liability claims arising from allegations of:

• Assault: The threat or attempt to harm another person.
• Battery: The actual physical contact or harm inflicted on another person.

Even when security guards act in self-defense or within their professional duties, incidents can escalate into legal claims, and A&B coverage ensures that your business is financially protected.

Why is Assault and Battery Coverage Essential for Armed Security Guards?

Armed security guards face heightened risks because they are tasked with protecting people and property, often in volatile situations.

1. High-Risk Interactions: Armed guards may need to intervene in thefts, trespassing, or other criminal activities where force is necessary.
2. Legal Vulnerability: Even justified actions can lead to lawsuits alleging excessive force, wrongful injury, or property damage.
3. Employer Responsibility: Security companies are typically held liable for the actions of their employees, making comprehensive liability coverage vital.

What Does Assault and Battery Coverage Protect Against?

This coverage typically includes:

• Legal Defense Costs: Covers attorney fees and court costs if your business faces a lawsuit.
• Settlements or Judgments: Pays for damages awarded to plaintiffs in the event of a claim.
• Third-Party Claims: Covers injuries or damages caused to bystanders during an altercation.
• Non-Negligent Claims: Provides protection even when employees acted within company protocols.

Common Scenarios Where A&B Coverage Applies

• Physical Altercations: A security guard physically restrains a trespasser, resulting in an injury.
• Self-Defense Claims: An armed guard uses force to subdue an aggressor but is accused of excessive force.
• Crowd Control Incidents: During an event, a guard disperses a crowd, and an individual claims injury.

Without A&B coverage, your business could face crippling legal and financial consequences in these situations.

What Happens Without Assault and Battery Coverage?

• Uncovered Claims: Standard General Liability insurance often excludes assault and battery, leaving you exposed to significant risks.
• High Legal Costs: Defense fees, settlements, or judgments can easily bankrupt a small or mid-sized business.
• Loss of Reputation: Negative publicity from lawsuits can harm your business’s credibility and client relationships.

How to Secure Assault and Battery Coverage

When selecting insurance for your security guard business, ensure your policy includes A&B coverage. At TWFG Khan Insurance, we specialize in providing comprehensive insurance solutions tailored to security companies.

Our policies offer:

• Flexible Limits: Coverage that aligns with the specific risks of your operation.
• Comprehensive Protection: Including general liability, professional liability, and workers’ compensation.
• Expert Guidance: Assistance in navigating client contracts and ensuring compliance with legal requirements.

Final Thoughts

Assault and Battery Coverage isn’t just an option for armed security guard businesses—it’s a necessity. Protecting your employees, clients, and business from the financial and reputational fallout of lawsuits ensures long-term stability and success.

If you’re ready to safeguard your business with the right insurance coverage, contact us today at 832-228-0755 or visit www.twfgcommercial.com for a tailored proposal. Let us handle your risks so you can focus on protecting others.