Security and Patrol Agencies

What Does GL Code 98751 Cover?

ISO GL class code 98751 covers businesses primarily engaged in providing security guard and patrol services for commercial, industrial, or residential properties. This includes armed and unarmed guards, mobile patrols, and security consulting, classifying operations based on gross receipts. The code addresses exposures related to premises liability, personal injury, and property damage arising from security operations.

Who Uses This Class Code?

This code applies to security guard companies, private patrol services, armored car services, security consultants, and businesses providing loss prevention services. Specific entities include event security providers, corporate security departments, and residential community patrol services.

Common GL Claims for This Class

Common GL claims for security and patrol agencies include bodily injury to third parties during an altercation or apprehension, property damage caused by security personnel, and personal injury claims such as false arrest or wrongful detention.

Coverage Tips for Code 98751

• Ensure your policy includes coverage for 'Assault and Battery' as this is a common exclusion for security firms.
• Verify that your general liability policy extends to cover 'Care, Custody, or Control' of client property, especially when guarding premises.
• Obtain 'Professional Liability' (Errors & Omissions) coverage to protect against claims arising from inadequate security advice or failed security measures.
• For Florida operations, ensure all security personnel are properly licensed by the Florida Department of Agriculture and Consumer Services (FDACS) and that your policy acknowledges this compliance.