Brownyard Programs offers a General/Professional Liability Policy to private security guard, armored car, investigation & background screening companies that is considered to be the best on the market in terms of broad coverage and competitive price. And the policy is non-auditable.

Coverage

• General Liability - Basic premises/operations coverage
• Professional Liability - Errors & Omissions coverage including financial loss
• CCC Property Damage - Damage to property in the care, custody or control of the insured
• Lost Key - Includes the cost of re-keying
• First & Third Party Theft - Theft of client's property by third parties and by guards
• Vicarious Liability - Intentional/criminal acts coverage including, but not limited to assault & battery, for which the insured is held vicariously liable
• Accidental Death Benefit - $25,000 per employee in the event the employee dies in the line of duty
• Blanket Additional Insured - blanket coverage for all clients that require additional insured status in their contracts

Limits
$1,000,000 per occurrence & $3,000,000 aggregate (higher limits available)

Deductible
The standard deductible is $2,500

Premium
Premiums are based upon prior revenues with no audits

Insurance Company
Lexington Insurance Company, which is rated A ("Excellent") Class XV ("$2 Billion or greater") by A.M. Best Company, Inc.