Business Details
35 Years
experience
Specialized Insurance for Security Industry Professionals
Costanza Insurance has specialized in providing tailored insurance solutions for the security industry since 1991. Our expertise spans 25+ years of delivering cost-effective coverage for security guard companies, alarm businesses, and private investigators nationwide. We utilize a unique billed-hour rating system that eliminates premium penalties for overtime or holiday pay, ensuring fair pricing for our clients. Our dedicated customer service representatives provide year-round support, and our programs are designed exclusively for the security, alarm, and investigative industries. With partnerships across top-rated carriers and a track record of serving nearly 20,000 firms, we combine deep industry knowledge with personalized service to protect our clients' operations.Our liability policies include comprehensive protections for assault and battery, errors and omissions, and punitive damages, while deductibles remain outside policy limits to preserve coverage. Through strategic relationships with brokers and exclusive market access, we deliver specialized risk management solutions that address the unique exposures of security-focused businesses. Our commitment to innovation and client-centric service ensures that security professionals can focus on their core operations with confidence.
Services
General Liability Insurance
Workers Compensation Insurance
Business Auto Insurance
Umbrella Liability Insurance
Employment Practices Liability Insurance
Details
- Year established: 1991
Highlights and features
- We offer 25+ years of experience in security industry insurance.
- Our exclusive programs are designed specifically for security, alarm, and investigative firms.
- Billed-hour rating system avoids premium penalties for overtime or holiday pay.
- Dedicated customer service representatives support each account annually.
- We've served nearly 20,000 security industry firms nationwide.
Services
General Liability Insurance
Our General Liability Insurance protects security businesses against claims for bodily injury, property damage, and personal injury. This includes coverage for assault and battery, errors and omissions, and punitive damages. With policy limits up to $5 million per occurrence and defense costs outside policy limits, we ensure comprehensive protection tailored to the security industry's unique risks.
Workers Compensation Insurance
Designed for security firms, our Workers Compensation Insurance offers 24-hour claim service and return-to-work programs. We partner with managed care facilities to control medical costs while providing risk management services that reduce claim frequency and severity. Texas companies benefit from our Safety Group Dividend Program for additional savings.
Business Auto Insurance
Our Business Auto Insurance covers vehicles used in security operations with liability limits up to $2 million CSL. Features include Zurich's auto enhancement endorsement, rental reimbursement, and drive-other-car coverage. New ventures receive favorable terms through symbol 1 liability availability and experience-based rating plans tailored to security industry needs.
Umbrella Liability Insurance
Umbrella Liability Insurance provides excess protection up to $10 million, following the terms of underlying policies including E&O coverage. Available through both admitted and non-admitted carriers, this policy extends protection for security businesses facing high-exposure scenarios while maintaining alignment with primary liability policies.
Employment Practices Liability Insurance
Our Employment Practices Liability Insurance safeguards against claims of discrimination, harassment, and wrongful termination. This specialized coverage addresses the security industry's unique employment risks, offering cost-effective protection against litigation arising from workplace disputes while preserving business profitability and reputation.
Questions
What makes your billing method different from other insurers?
Our billed-hour rating system charges based on actual exposure hours rather than payroll, avoiding premium penalties for overtime or holiday pay.
What liability protections do your policies include?
Policies cover assault and battery, errors and omissions, punitive damages, false arrest, and firearms-related incidents specific to security operations.
How are deductibles structured in your policies?
Deductibles remain outside policy limits to preserve coverage amounts for indemnity payments rather than defense costs.
Will I have dedicated account support?
Every account receives a dedicated customer service representative for year-round support and relationship-based service.
How many security industry clients do you serve?
We've provided specialized insurance solutions to nearly 20,000 security, alarm, and investigative firms nationwide over 25 years.
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