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Public Liability Insurance for Security Guards
Security work involves confrontation, restraint, and liability for false arrest. Our security guards insurance covers injury from physical intervention, assault claims, wrongful arrest allegations, and third-party injury.
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✅ What's Covered for Security Guards in NZ
Third-party injury compensation
Legal defence for wrongful arrest
Assault injury liability
Excessive force defence costs
Property damage from security incident
Medical costs for injured third parties
Typical NZ Premium
$600 – $1,400/year
Cover limits: $1M or $2M
⚠️ Key Risks Facing Security Guards in NZ
Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by security guards in New Zealand:
01Injury to person during restraint or ejection
02Wrongful arrest or false imprisonment claim
03Assault causing serious injury
04Excessive force allegations
05Third-party injury from security incident
06Property damage during security response
07Injury from weapons or equipment
08Privacy violation or discrimination claims
Frequently Asked Questions
What if I injure someone while restraining them?
If the force was reasonable and proportionate, insurance provides legal defence. If you used excessive force, coverage may be denied. Always follow NZ security training standards.
Am I covered for false arrest claims?
Yes. If you wrongfully arrest someone without legal grounds, public liability covers the legal costs and compensation. This is why evidence and training are critical.
Does the cover include armed security work?
Armed security requires specialist insurance and special licensing. Discuss weapons training and licensing requirements separately with your insurer.
What about privacy breaches or discrimination claims?
Public liability covers injury and property damage, not privacy or discrimination claims. These require separate professional indemnity insurance.
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