Specialty classes
Hedge Security Guard and Alarm Supplemental
A fillable Hedge supplemental for security guard, patrol, alarm, and related operations.
View form and fillable PDF →Class and coverage guide
Professional liability for armed security guards.
Miscellaneous Professional Liability is included in Hedge's published target coverage for Armed security guards under the line Professional Liability (E&O), with a published target of $1M / $1M. The current public class status is in current public appetite. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage details
How this coverage applies to the class.
Miscellaneous professional liability commonly addresses claims alleging negligent acts, errors, or omissions in the performance of professional services. The operative definition of professional services, exclusions, contractual exposure, and the insured's actual work matter more than the label on the business.
Class context. Armed security officers, banks/retail/cash-in-transit posts. State-licensed, qualified annually. Assault & battery sub-limit available.
Terms depend on the policy and account
Coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Armed security guard E&O details
Professional liability details for an armed security guard company.
Professional liability review for an armed security guard company starts with the services the firm promises to perform and the posts where those services are delivered. The underwriter will need to understand post orders, client contracts, supervision, training, incident response, use-of-force controls, and any allegation that the company failed to provide the contracted security service.
What to prepare
- Schedule of services and post types, including banks, retail, healthcare, government, mobile patrol, and any cash-in-transit work
- Representative client contracts, post orders, indemnity terms, performance standards, and procedures for reporting service failures
- Armed officer roster with state licenses, firearm permits, annual qualification records, supervision, and de-escalation training
- Written use-of-force, incident escalation, complaint handling, and evidence-retention procedures
- Currently valued loss runs and a direct explanation of professional liability, assault, battery, firearm-discharge, and contract-related incidents
Keep professional liability and assault exposures separate
The $1 million per claim and aggregate limit shown here is Hedge's public target for this class, not a quote or promise of terms. Professional liability should not be assumed to replace general liability, assault and battery, workers compensation, auto, crime, or other coverage that may apply to the same operation or incident.
Underwriting facts
Facts that affect eligibility and terms.
- Armed headcount + state firearm permits
- Annual range qualification records
- Use-of-force policy and de-escalation training hours
- Assault, battery, and discharge loss runs, 5 years
- Posts list (banks, retail, healthcare, government)
Conditions that need closer review
- Cash-in-transit (CIT) without armored-car form
- Concealed-carry assignments in residential settings
- Posts in high-crime neighborhoods with prior discharge claims
- Executive/dignitary protection (separate market)
- Private military / overseas contracts
- Off-duty police moonlighting under the agency's name
Stronger starting profile
Controls and supporting information.
- Bank, ATM-servicing, and high-value retail posts
- State-licensed armed officers with annual qualification
- Documented de-escalation training and incident reporting
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Any risk
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 825
Professional and Specialty Insurance Applicant Section
The applicant section used with management, executive, and professional liability coverage sections. It organizes common applicant, ownership, financial, prior insurance, and claims facts before line-specific detail is added.
Read form guide →ACORD 832
Miscellaneous E&O Section
The miscellaneous E&O section used to describe professional services, client types, contracts, fees, qualifications, controls, prior insurance, and claims for a professional liability risk.
Read form guide →State detail
Published class-specific state notes.
No class-specific state override is published for this class. State availability and account facts still require current review.
Next step
Prepare the account for Hedge review.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.