Insurance for School Security Guards
As a school security guard, you’re responsible for the safety of hundreds or even thousands of students and their teachers. Protecting them can be a challenging job. Are you also protecting yourself? Insurance for school security guards is a simple solution that allows you to continue doing your job with less fear of financial consequences if you are hit with an expensive lawsuit.
Keeping Schools Safe
Protecting schools and the people who attend can be a rough ride. The FBI has designated 223 active shooter incidents in the United States from 2020 to 2024. Of these events, one of the main location categories is educational institutions. In 2024, four out of 24 active shooter incidents occurred in education. Education had the highest average number of casualties per incident. Overall, Education Week noted that 18 people died and 59 were injured due to gun violence in and around schools in 2024.
Gun violence isn’t the only thing to worry about, either. In 2023, 4.2% of U.S. high school students brought a weapon to school, and 9.0% were threatened or injured with a weapon. While violence has decreased since the COVID-19 pandemic, theft and other violent activity remain. Bullying also continues to be a problem, with about one in five high school students being bullied on school property in the U.S. yearly.
With these statistics in mind, it’s no wonder that more and more schools are employing security guards to keep their premises safe.
The Role of the School Security Guard
As a school security guard, you’re responsible for maintaining order and discipline while ensuring that incidents of crime or violent behavior are dealt with appropriately. You may need to break up fights, mediate conflicts, and respond to alarms.
You also have the responsibility for keeping the population safe while taking measures to reduce the rate of incidents. You take preventive measures like patrolling school grounds and monitoring entrances. Guards also operate and monitor security cameras and alarm systems for potential breaches. You’re the one who has to be prepared for the unknown. Should a mass shooter enter the school grounds, you must manage the situation.
Occasionally, situations turn violent. You may inadvertently cause someone bodily harm or damage someone’s property while responding to an event. Instances like these can leave you open to liability claims. Families of victims of school violence often file claims against districts and staff, including security guards.
For example, in June 2025, a 14-year-old boy was fatally stabbed when trying to break up a fight in a California high school. The family filed a legal claim against the district staff for failure to provide adequate security and supervision. These and countless other cases demonstrate why you need to protect yourself by taking out school security guard insurance. As the first line of defense, you could also be the first object of legal action should an incident occur.
The Challenges of Obtaining Coverage
As a school security guard, you may have found it hard to get insurance coverage. You may even have found that insurers are unwilling to take you on. The unfortunate fact is that many insurers won’t provide insurance for you because school security is classed as a high-risk occupation. During your job, you have frequent exposure to violence. This situation opens up the potential for more liability claims, such as alleged negligence, excessive force, or failure to prevent harm.
Additionally, most homeowners insurance policies are likely to let you down. Either they won’t give you coverage, or you’ll discover it’s not nearly enough should you have to make a claim. It’s even harder to find coverage if you have a past claims history. The past claim could impact your coverage options even if it wasn’t your fault.
As a new security guard or company, you may also face challenges, as a lack of experience makes it harder for insurance companies to determine your risk. When security guards carry guns or must use force often, their coverage options may shrink further.
XINSURANCE: Finding Security Guard Insurance for Schools
If you face struggles obtaining self-employed security guard insurance or solutions for your school security company, our team can help. XINSURANCE steps in where other insurers turn their backs.
We’re an insurance brokerage identifying specialty liability insurance solutions for our customers. XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. Our all-in-one approach allows us to find solutions even if you have a claims history or have been denied coverage in the past. We can also support those in high-risk occupations, even individuals with limited history in the profession.
This insurance solution for school security guards may help protect you from the financial consequences of liability claims against you for simply doing your job in the event of a covered claim. We may be able to identify various coverage solutions, including physical injury, property damage, professional negligence, and more.
Contact XINSURANCE for a Quote
If you would like a quote for insurance for school security guards, get in touch with XINSURANCE today. Our website details our extensive product line, including insurance for armed security guards. You can request a quote via our website.
Authored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.