Choosing between armed and unarmed security guards isn’t just a safety decision—it’s a major insurance and liability decision for California businesses. Understanding the differences can help protect your company from costly claims while ensuring you meet state and contractual requirements. 
Armed Security: Higher Risk, Higher Insurance Requirements
Armed guards introduce increased exposure due to firearm use, lethal-force potential, and strict California compliance rules. Because of this, insurers typically require:
- Higher liability limits
- Firearm-specific endorsements
- Proof of training, certification, and ongoing qualification
Even a single firearms-related incident can result in catastrophic costs. That’s why policies for armed personnel are more complex—and more expensive.
Unarmed Security: Lower Risk, But Still Requires Specialized Coverage
Unarmed guards may not carry weapons, but they still face claims such as:
- Physical altercations
- Wrongful detention or false arrest
- Negligence and property damage
Typical insurance includes general liability, professional liability, and coverage tailored to your operations and property type.
Key Differences at a Glance
Armed guards = higher premiums, stricter requirements, greater exposure
Unarmed guards = more affordable coverage, but still significant liability risks
Armed security liability insurance can dramatically raise operational costs for guard companies, often forcing a higher hourly bill rate. Because insurers require elevated limits for firearm-related risks, security firms must decide whether to absorb the added expense or pass it on to clients. This cost gap is one of the biggest reasons businesses must carefully evaluate whether they truly need armed protection.
Why Reviewing Your Policy Matters
Many businesses discover after a claim that their security operations don’t match their insurance coverage. A quick review ensures:
- Proper liability limits
- No hidden exclusions
- Compliance with California regulations
- Protection against high-severity incidents
A mismatched policy can cost far more than the premium.
Work With Experts Who Understand the Security Industry
Bone Robertson & McBride Inc. specializes in security guard insurance and supports businesses across California in managing risk for both armed and unarmed operations. We identify coverage gaps, reduce liability exposure, and help you stay compliant—so you can focus on protecting your people and your property.
Ready to strengthen your security insurance strategy?
Contact Bone Robertson & McBride Inc. today for tailored guidance and competitive coverage options.
📞 Contact Aimee Padden at (925) 674-1000
📧 Email us at info@brmins.com to schedule a no-obligation consultation.
This blog is for general informational purposes only and should not be considered legal advice.