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Chartis Enhances General Liability Policies with Security Guard Firms Coverage Enhancement

Posted on 07 Oct 2010

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Chartis introduced on Wednesday a Security Guard Firms Coverage Enhancement, developed by its Commercial Casualty division, to address the specific liability exposures of security firms. The endorsement expands the Chartis insurers’ general liability policy to include:

* Coverage for bodily injury and property damage arising out of professional security guard services performed by or on behalf of the named insured;

* Coverage for bodily injury and property damage resulting from the use of reasonable force committed by an employee of the insured to protect any persons or property; and

*An additional occurrence limit for damage to property in the care, custody and control of the security firm, subject to a per occurrence deductible.
“Many businesses rely on the services of security personnel to prevent and deter crime. In rendering these services, it is possible for security personnel to unintentionally cause bodily injuries or property damage,” said Christopher McKeon, President of Commercial Casualty’s Commercial Risk and Excess Workers’ Compensation divisions. “This enhancement gives security guard firms coverage against potential claims in one endorsement.”
In addition, Chartis also offers integrated loss control services to help security firms prevent and mitigate losses, including:

* Providing best practice assessments for corporate or subcontractor security programs;

* Developing and reviewing standard operating procedures, staffing qualifications and hiring criteria, incident investigation, and sight supervisor duties; and

*Establishing measures that address the physical security of the insured’s premises, such as public access procedures and monitoring systems.
For more information on the Security Guard Firms Coverage Enhancement, please contact Anner Jones, Assistant Vice President in the Commercial Risk division, at 713-342-7574 or