Guard Insurance: Complete Coverage You Can Trust with RF Insurance Agency

In today’s unpredictable world, personal and business protection is no longer optional—it’s a necessity. Whether you're safeguarding your livelihood, property, or operations, having the right insurance policy can make a world of difference. This is especially true for individuals and businesses seeking guard insurance.

At RF Insurance Agency, we understand the unique risks security professionals and contractors face. From liability concerns to injury on the job, you need more than generic coverage—you need specialized guard insurance tailored to your work. Let’s dive into what guard insurance is, why it matters, and how RF Insurance Agency can help you secure the peace of mind you deserve. What Is Guard Insurance? Guard insurance is a specialized type of business insurance designed specifically for security companies and independent security guards. It typically includes: General liability insurance Workers’ compensation Professional liability (errors & omissions) Commercial auto insurance Equipment protection (inland marine insurance) Whether you're patrolling private property, securing events, or protecting assets, guard insurance offers a financial safety net against lawsuits, property damage, personal injury, and more. Who Needs Guard Insurance? If your business or profession involves protecting others, guard insurance is essential. Common types of clients include: Private security firms Armed or unarmed security guards Event security contractors Patrol officers Bodyguards Night watchmen Crowd control teams Even small operations can face big liability risks. That’s why RF Insurance Agency offers custom coverage plans that adapt to your exact needs. What Does Guard Insurance Cover?

At RF Insurance Agency, we help you craft a comprehensive policy that may include the following coverages:

1. General Liability Insurance This protects you if a third party claims property damage or personal injury due to your services. For example, if a guard unintentionally injures someone while intervening in a conflict, general liability insurance helps cover medical expenses and legal fees.

2. Professional Liability Insurance (E&O) Also known as errors & omissions insurance, this protects your company from claims of negligence, inadequate services, or failure to perform duties. Mistakes can happen, and this coverage helps protect your business reputation and finances.

3. Workers’ Compensation If an employee is injured on the job, workers’ comp helps cover their medical costs and lost wages. This is mandatory in many states and essential in a high-risk field like security.

4. Commercial Auto Insurance Security teams often rely on company vehicles for patrols or transport. Commercial auto insurance ensures you're covered in case of an accident, theft, or vehicle damage.

5. Inland Marine Coverage This protects specialized equipment such as radios, surveillance tools, or protective gear while in transit or used off-site. Why Choose RF Insurance Agency for Guard Insurance? At RF Insurance Agency, our mission is simple: protect your business like it's our own. As an independent insurance agency based in Indianapolis, Indiana, we’re not tied to one provider. Instead, we shop multiple A-rated insurance carriers to find you the best price and protection. Here’s what sets us apart: Expertise in high-risk industries: We specialize in contractor and business insurance, including industries like construction, property management, and security. Personalized attention: We treat our clients like family, offering tailored solutions, fast response times, and ongoing policy servicing. Nationwide support: We offer coverage across the Midwest and beyond, including Texas, Indiana, New Jersey, Colorado, Arizona, Illinois, Ohio, California, and more. Quick turnaround: Need a quote fast? Our team is known for delivering quick and accurate quotes with minimal hassle. Benefits of Having Guard Insurance Security professionals are exposed to multiple risks on a daily basis. Without the right protection, one lawsuit or accident could put you out of business. Key benefits of guard insurance include: ✅ Legal protection from liability claims ✅ Coverage for injured employees ✅ Protection for commercial vehicles and equipment ✅ Compliance with state and contractual requirements ✅ Peace of mind to focus on the job How Much Does Guard Insurance Cost? The cost of guard insurance varies based on: Business size and number of employees Location and areas served Armed vs. unarmed services Experience and claims history Type of coverage and policy limits Typically, small security companies may pay between $1,000 to $5,000 annually, while larger operations with multiple employees and vehicles may pay more. At RF Insurance Agency, we help you find affordable premiums without compromising coverage. Steps to Get Guard Insurance with RF Insurance Agency Getting covered is simple. Here’s how it works: Request a Free Quote – Call us at (312) 667-2713 or visit our website. Discuss Your Needs – Our agents will help you identify risks and customize a policy that fits your business. Compare Carriers – We present options from top insurance providers. Choose and Get Covered – Enjoy fast, hassle-free policy setup. Ongoing Support – Need a certificate of insurance or policy change? We’re always here to help. Conclusion If you're a security professional, bodyguard, or run a security firm, you can’t afford to be without guard insurance. From bodily injury claims to property damage lawsuits and everything in between, this tailored coverage protects your business, your team, and your future.

At RF Insurance Agency, we take pride in helping our clients build strong insurance foundations. Let us help you get covered today—so you can focus on keeping others safe, while we focus on protecting you. 📞 Call us now at (312) 667-2713 or request a free quote online to get started with the right guard insurance for your business. Frequently Asked Questions (FAQs)

Q1. Is guard insurance mandatory? While not always legally required, guard insurance is typically needed to comply with licensing laws and client contracts—especially for armed guards or firms serving public spaces.

Q2. Can I get insurance as an independent security guard? Yes! Whether you’re working solo or have a small team, RF Insurance Agency can provide a custom guard insurance policy to protect your operations.

Q3. What if I offer both armed and unarmed services? Our policies can be customized to include both. It’s important to disclose all services so we can ensure you have proper coverage.

Q4. How soon can I get coverage? In most cases, we can provide quotes and bind coverage within 24-48 hours depending on the complexity of your business.

Q5. Does guard insurance include firearm liability? Yes—if you are licensed to carry and provide armed services, we can include firearm liability in your coverage, ensuring you're protected in case of incident. Protect Your Team. Protect Your Future. Get Guard Insurance Today. 👉 Visit www.contractorsinsagency.com or call (312) 667-2713 to speak with an expert now