Washington State Security Guard License Practice Exam

What type of insurance is recommended for security guards?

1. Health insurance for personal coverage

2. Liability insurance to protect against claims

3. No insurance is needed for security guards

4. Property insurance for guarding equipment

The correct answer is: Liability insurance to protect against claims

Liability insurance is essential for security guards as it provides protection against claims that may arise from their actions while on duty. This type of insurance covers legal costs and any damages that may be awarded to a third party for incidents such as negligence or failure to perform duties, which could potentially lead to financial losses for the security guard or their employer. Given the nature of their work, security guards may face various situations where they could be held liable, making liability insurance a critical aspect of their professional practice. Health insurance, while important for personal well-being, does not directly relate to the responsibilities and risks associated with the job of a security guard. Property insurance might be relevant depending on specific equipment, but it does not provide the broad coverage that liability insurance does, making it less suitable overall for a security guard’s primary need to manage potential claims against them. The idea that no insurance is needed overlooks the inherent risks that come with the job, which can expose security personnel to various legal and financial vulnerabilities.