Insurance for Private Patrol Services
When security guards and private patrol services protect property, they have important responsibilities while carrying a lot of risk. Private patrol services guard or patrol areas or structures from theft, damage, and other hazards, which means they encounter liability regularly. If a person is injured, property is damaged, or patrollers fail to do their jobs well for any reason, there could be a lawsuit.
Insurance for private patrol services ensures that if there is a lawsuit or any kind of claim, legal costs do not fall squarely on patrol services. Professional liability insurance covers against issues like failure to respond to security concerns adequately. General liability insurance can also cover against third party bodily injury or property damage associated with private patrol services. Additional coverages may include automobile liability, commercial liability, firearms liability, and other policies that further extend the umbrella of protection.
The Risks of Lawsuits for Private Patrol Services
Private patrol services and security forces often face liability that can turn into lawsuits. These suits can be very expensive, damaging the financial future of the service and its employees. Insurance for private patrol services ensures that there is somewhere to turn.
In January 2018, hip hop musician Obie Trice sued the Detroit Renaissance Center, Marriott International and G4S, a private security company. Trice filed the suit alleging he was illegally detained, choked, and beaten by five guards working at that location. The case got a lot of press attention, putting the RenCen, Marriott, and the guard company in a negative spotlight.
Lawsuits like this are common. Recently, a man in San Bernardino sued Loma Linda University Medical Center and eight security guards patrolling the location. He, too, sought damages for issues including assault, battery, false imprisonment, and false arrest. Since the filing of the suit, employees have come forward alleging a pattern of excessive force by security at the hospital.
Similarly, in Denver, the country’s largest private security company settled a lawsuit filed by an individual assaulted by its guards. This happened right before the Denver city council decided not to enter into a $25 million contract with the firm. The man who filed the suit was waiting for a train when security guards beat him, causing permanent brain damage. As one councilman said, “Allied [Universal], y’all have a credibility problem.”
What Your Clients Need in Insurance for Private Patrol Services
Private patrol services count on Prime Insurance Company for risk mitigation and fair claims handling. Our company is dedicated to placing even the toughest risks, ensuring that everyone has the protection they need.
We understand that certain difficult risks often make insurance for private patrol services a challenge. Nevertheless, we provide coverage. If there is a way to offer insurance for private patrol services, Prime Insurance Company finds it and ensures your clients are not vulnerable to liability.
We can offer insurance for private patrol services where it has been declined or rejected in the past. With our personalized approach, instead of deeming an industry ‘too risky,’ we work to understand your clients and their needs. Where there is risk, our in-house team assesses it and provides tailored recommendations to reduce the chance of a costly claim.
No matter the risk, our aim is fast, flexible underwriting, with a focus on working in partnership with producers and their clients. We operate from a full-service model, which means we are there to help and guide all partners, every step of the way. From underwriting through risk management and on to claims, you and your clients can rely on us.
This partnership with Prime Insurance Company means that you can write more business. Our goal is not to compete with your existing business and expertise, but to help you offer more. By partnering with Prime Insurance Company, you can offer your clients coverage for those risks that might otherwise go unserviced.
Our excess and surplus insurance coverage ensures that you can stay competitive, helping your clients in ways that competitors can’t or won’t. We have a proven track record in delivering quality customer service, including fair payment for fair claims. Whatever happens, you and your clients can work knowing that Prime Insurance Company is all about firm and fair representation. It’s the right coverage for the right risk, at the right time.
Check out our online application today to learn more about our insurance for private patrol services. You can also call Prime Insurance Company at 800-257-5590 or email us at info@primeis.com. Visit us on Facebook, Twitter, YouTube, LinkedIn, and Instagram to keep up with our team. Finally, peals check out our website to learn more about Prime Insurance Company at https://www.primeis.com/.
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Authored by Rick J. Lindsey, CEO, President, and Chairman of Prime Insurance Company
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. Prime Insurance also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are Prime Insurance can help.
