Security guard companies employ workers who face a unique combination of risks: long hours standing, physical confrontations, exposure to hazardous environments, and driving between job sites. Workers comp is essential for any security operation with employees.
Common Security Guard Workers Comp Claims
Physical altercations with individuals on the premises are the highest-severity risk in security work. Slip-and-fall accidents during patrol rounds are the most frequent claim. Vehicle accidents during patrol or transportation also create significant exposure. Stress-related claims and repetitive strain injuries from standing for long periods round out the common claim types.
Armed vs. Unarmed Security Rates
Armed security guards typically carry higher workers comp rates than unarmed guards due to the elevated risk profile of the work. If your company employs both armed and unarmed personnel, payroll should be reported separately under the appropriate class codes to avoid being charged the higher rate on all employees.
Site-Specific Risk Considerations
Security guards working at construction sites, hospitals, or entertainment venues face different risk levels than those working in office lobbies. Carriers may ask for details about the types of sites your guards are assigned to when quoting your policy.
Get a Free Security Company Workers Comp Quote
Comp Matters Inc. writes workers comp for security companies across the East Coast. Call (631) 248-2500 for a free quote today.
Recent Comments