In 2004, the Electronic Security Association set out to create a program that would cover the specific needs of the industry at reasonable rates, shielding its members from the unexpected. At that time, Security America was formed.
Since then, we have continued to meet the needs of the industry without raising rates. We are constantly evaluating the program to ensure we are continuing to meet your needs. Today, we are proud to be a leader in the insurance industry for the security and life safety industry and proud to serve its members.
Here’s How We Can Serve Your Insurance Needs:
General Liability Coverage/Professional Liability:
General liability is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. General liability insurance through Security America includes:
- Bodily injury and property damage liability
- Personal and advertising injury
- Products-Completed Operations
- Fire Damage to Rented Premises
- Medical payments
- Lost Key Coverage
Professional Liability Insurance coverage focuses specifically on lawsuits that arise from your professional services. Professional Liability coverage shields you from lawsuits alleging you:
- Provided negligent professional services
- Failed to uphold contractual promises
- Provided incomplete or insufficient work
- Made mistakes or omissions
Cyber Security Coverage:
Cyber Security coverage provides coverage for both liability and first-party expenses arising from data security breaches and compromises of customer and employee data. A breach can be caused by something as simple as an employee losing a laptop or cell phone to a full shut down of your systems from a ransomware attack.
What Coverage is Provided?
- Privacy Breach Response Services
- Regulatory Defense and Penalties
- Website Media Content Liability
- PCI Fines and Penalties
- Cyber Extortion Loss
Worker’s Compensation Coverage:
One of the key services offered by ESA is insurance and together, we have developed a worker’s compensation
program to support ESA members.
Financial Strength and Stability - Coverage provided by an A.M. Best “A-“ (excellent) rated carrier with a Financial Size Rating of XV.
Flexible Payment Plans – Installment plans, auto pay /direct debit, and pay-as- you-go provide seamless premium payments.
Superior Claims Handling – 24/7 claims reporting with live assistance, seasoned claims professionals with caseloads well below industry average.
Exceptional Loss Control – Representatives located nationwide to conduct safety inspections, site evaluations and loss prevention training.
Satisfying Customer Service – Exceptional service delivered by field sales representatives, regional underwriter and centralized customer service professionals.
Education and Training – Training programs developed for ESA national and local chapters Blanket WOS available.
Excess & Umbrella:
Excess liability insurance (GL) is coverage that increases the limits of your General Liability/Professional Liability policy. An excess policy sits over your primary policy and provides the same coverage as the primary. If you have a claim in which you exhaust your underlying limits of insurance, your excess policy will pick up where it left off.
Umbrella liability insurance is very similar to Excess Liability insured. The difference is that an Umbrella insurance policy sits over more than one line of coverage. Under the SARPG program, the Umbrella policy sits over your General Liability/Professional Liability, Commercial Auto Coverage and Worker’s Compensation Coverage.
Other Coverages & Services:
- Commercial Auto Liability
- Misc. Property Coverages
- Contract Review
- Quick Certificate of Insurance turnaround