Workers' Comp for Security Guard Companies in Florida
Security guard companies face unique workers comp challenges — high assault risk, armed vs. unarmed classifications, and 24/7 operations. Our PEO program covers all security operations with same-day COI and no audit.
Get My Security Company QuoteTop Workplace Injury Risks
Assault & Battery
Security guards face the highest rate of workplace assault of any occupation. Physical altercations with trespassers, intruders, and agitated individuals are a constant risk.
Slip & Fall on Patrol
Guards patrolling large facilities, parking lots, and construction sites face slip, trip, and fall hazards around the clock.
Vehicle Accidents
Mobile patrol officers and security drivers face vehicle accident risk during routine patrols and emergency responses.
Stress & Fatigue Injuries
Long shifts, overnight work, and high-alert environments contribute to fatigue-related accidents and health claims.
Firearm Incidents
Armed security personnel face unique liability and workers comp exposure related to firearm use and training accidents.
Exposure to Hazardous Environments
Guards posted at construction sites, chemical plants, and industrial facilities face environmental hazards beyond standard office risks.
No Audit. No Deposit. No Hassle.
- Premium calculated on actual payroll
- No year-end audit — ever
- No large deposit required to start
- Same-day Certificate of Insurance
- Coverage from 1 to 500+ employees
- Bilingual support in English and Spanish
Pay-As-You-Go
Premium tied to actual payroll
No Audit
Zero year-end audit surprises
Same-Day COI
Certificate issued within hours
Hard-to-Place
We cover what others decline
Operations We Cover
Frequently Asked Questions
Why is workers comp for security companies so expensive?
Security guard workers comp rates are high due to elevated assault risk and the 24/7 nature of operations. Through our PEO structure, we access group rates that are typically 20–40% below individual market rates for security companies.
Is there a difference in workers comp rates for armed vs. unarmed security?
Yes. Armed security (class code 7720) carries higher rates than unarmed security (7382) due to the additional risk exposure. We can cover both classifications under our PEO program.
Can I get workers comp for a new security company with no history?
Absolutely. New security companies are frequently declined by standard carriers. Our PEO program accepts new operations and can issue a COI the same day you're approved.
How does pay-as-you-go work for security companies with variable hours?
Security staffing fluctuates with contracts and events. Pay-as-you-go calculates your premium on actual hours and wages paid each cycle — no large deposit, no audit, no overpayment.
Do I need workers comp for 1099 security contractors?
If your 1099 security contractors don't carry their own coverage, you may be liable for their injuries. Our PEO structure can cover your entire workforce under one policy.
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