Workers Compensation Insurance
Workers comp is legally required from your first employee in most states and provides medical and wage-replacement benefits to staff injured on the job — installers, technicians, monitoring operators, and guards.
Workers Comp for Security & Surveillance Employers
The moment you hire employees, most states require workers compensation insurance. It pays medical bills, partial lost wages, and rehabilitation for workers injured on the job — and shields you from most injury lawsuits in return. Your installers, field technicians, monitoring-center operators, and patrol guards all have on-the-job injury exposure.
Where Your Staff Get Hurt
- Installers & techs: Ladder and lift falls, electrical injuries, lifting and tool injuries, repetitive strain
- Guards & patrol: Confrontations, slips, vehicle incidents, and standing/walking injuries
- Monitoring operators: Ergonomic and repetitive-stress injuries from console work
- Warehouse staff: Lifting and material-handling injuries
Classification Matters
Premium is driven by payroll and class codes that reflect each role's risk. A field installer who climbs ladders carries far more exposure than an office monitoring operator, and miscoding staff can trigger a costly audit bill at renewal. We make sure your employees are classified correctly from the start.
Controlling Cost
A clean claims history, documented safety training (ladder safety, electrical safety, de-escalation for guards), and a return-to-work program all help control your experience modifier and your premium. We help you put those pieces in place and shop carriers that understand security operations.
What's Covered
Frequently Asked Questions
In most states, yes — coverage is generally required once you have employees, including part-time and seasonal staff. Requirements vary by state, and we help you stay compliant.
By payroll and job classification codes that reflect each role's injury risk. Correct classification — field installers vs. office operators — keeps your premium accurate and prevents costly audit surprises.