PerimeterGuard Underwriting Managers

General Liability, Excess Liability and Workers’ Compensation solutions for the U.S. security guard industry

Specialty Expertise

PerimeterGuard Underwriting Managers is a purpose‑built specialty MGU dedicated exclusively to the security guard and protective services industry. Our underwriting team brings seasoned industry experience and a consultative approach to evaluating risk, allowing us to support accounts that demonstrate strong training, supervision and observe‑and‑report practices.

Backed by centralized technical support and governance, PerimeterGuard is designed to deliver measured risk selection, consistent underwriting outcomes and long‑term portfolio stability for brokers and carriers alike.

Products

PerimeterGuard offers a coordinated casualty insurance package tailored to security guard operations, including:

General Liability
Excess Liability
Workers’ Compensation (monoline available)

Nationwide coverage is supported by AM Best A or better capacity. Multi‑state risks are considered.

Target Profile

PerimeterGuard targets established and well‑managed security guard agencies, including:
Acceptable Guard Service Types

Office buildings
Industrial facilities
Construction and demolition sites
Banks and financial institutions
Museums
Conventions and trade shows
High‑income gated residential communities and private estates
Auto dealerships
Golf, tennis, and yacht clubs
Hospitals (guards at main lobbies, parking facilities or access control)
Hotels where guards are not designated exclusively to bar or nightclub operations
Closed‑set production studios
Executive protection and bodyguard services for high‑net‑worth individuals

PerimeterGuard focuses on accounts that demonstrate operational discipline and compliance, including:

Established security agencies
Predominantly full‑time employees
Low claim frequency and favorable loss history (older loss activity may be considered with documented operational improvements)
Armed guards viewed favorably when off‑duty police
Armed deployments appropriate to the value of protected assets and located in lower‑crime, less densely populated areas

Available Coverage

General Liability

Limits: $1M per occurrence with aggregate options of $2M, $3M, or $5M

Excess Liability

Limits supported up to $5M
Follows form General Liability

Workers’ Compensation

Monoline available

Submission Requirements

Completed PerimeterGuard supplemental application
Four years of currently valued loss runs, including underlying where applicable
Standard security services contract
Excess Liability ACORD application

The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same. The operations described herein are conducted by RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty, LLC. RSG Specialty works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516). ©2026 Ryan Specialty, LLC

MANAGING GENERAL UNDERWRITERS