Protects your business against claims of personal injury or property damage to third parties. Essential for all physical operations — especially when working in public, high-traffic or high-value environments.
Guard, Patrol & Risk Management Cover
Security Insurance
Security professionals operate at the frontline of risk — from safeguarding property to protecting people, managing events, and responding to critical incidents. Whether you're a provider of static guards, mobile patrols, alarm response, or security consultancy, your business is exposed to significant legal, physical, and reputational risk every day.
At High Risk Cover, we understand the unique demands of the Australian security industry. We offer tailored insurance solutions designed to safeguard your workforce, support your compliance, and ensure you’re protected across every job, contract, and state.
At High Risk Cover, we understand the unique demands of the Australian security industry. We offer tailored insurance solutions designed to safeguard your workforce, support your compliance, and ensure you’re protected across every job, contract, and state.
The Real Risks of Working in Security
The key risks include:
- Injury to or from members of the public
- Allegations of excessive force or wrongful detention
- Negligent or faulty risk assessments
- Theft or property damage during site patrol
- Fair Work or licensing non-compliance
- Damage or loss of security vehicles or equipment
Security work is unpredictable. Officers are often called to diffuse volatile situations, deal with intoxicated or aggressive individuals, patrol remote sites, and respond to emergencies. They’re expected to manage public safety while complying with strict industry regulations.
Without robust and specific insurance, a single claim can lead to financial loss, reputational damage, or legal penalties.
A comprehensive insurance strategy is not a luxury in this sector — it's essential for business survival.
Frequently Asked Questions
Do I need PI cover even if I don’t give formal reports?
If you’re offering advice, assessments or even verbal guidance to clients, PI insurance is recommended. Many clients require it as a condition of contract.
Can I insure against wrongful arrest or use of force?
Yes. Our PI and public liability policies can be structured to include wrongful detention and misconduct cover, within regulatory limits.
What about subcontractors or casual guards?
We offer tailored guidance based on your engagement model. Subcontractor liability can be included with specific disclosures.
Do I need additional cover for crowd control?
Yes — crowd control activities carry increased risk. We ensure your policy includes this as a named occupation or activity.
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Our Core Security Insurance Products
Security companies need more than just a basic public liability policy. Our packages include cover types tailored to address the full spectrum of industry risks:
Legally required cover for all employed guards, K9 handlers, supervisors, and monitoring staff. We ensure you’re properly registered in your operating state (e.g. WorkCover QLD, icare NSW, WorkSafe VIC).
Critical if you provide security advice, risk assessments, surveillance reports, or investigations. Covers you for claims of negligence or incorrect guidance that causes financial loss.
Directors and company officers are personally liable under multiple Australian laws. This policy covers claims relating to unfair dismissal, OHS breaches, financial mismanagement and more.
Covers patrol vehicles, communications gear, surveillance systems, access control technology, and more.
Protects portable business assets such as radios, phones, tablets, body cameras, uniforms, and other on-site tools.
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