MANAGING GENERAL UNDERWRITERS
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
Product Information
