Business Details
35 Years
experience
Emergency
services
Trusted Security Industry Insurance Solutions
Costanza Insurance has specialized in providing tailored insurance solutions for the security industry since 1991. Our expertise spans 25+ years of delivering cost-effective coverage for alarm companies, security guard firms, and investigative services. We prioritize understanding the unique risks faced by security professionals, offering comprehensive policies including general liability, workers' compensation, and umbrella liability.Our dedicated customer service representatives ensure personalized support throughout the policy year. With partnerships across the nation, we serve thousands of security industry clients, combining deep industry knowledge with a commitment to innovation and client-focused service.
Services
General Liability Insurance
Workers Compensation Insurance
Business Auto Insurance
Umbrella Liability Insurance
Employment Practices Liability
Details
- Year established: 1991
Highlights and features
- We offer 25+ years of specialized experience in security industry insurance.
- Our exclusive programs are designed specifically for security, alarm, and investigative firms.
- We provide dedicated customer service representatives for each account.
- Our broad coverage forms include assault and battery, punitive damages, and firearms liability.
- We maintain partnerships with highly rated national carriers for comprehensive coverage options.
Services
General Liability Insurance
Our General Liability Insurance protects security industry businesses from claims related to bodily injury, property damage, and personal injury. This includes coverage for assault and battery, care custody and control, errors and omissions, and punitive damages. With limits up to $5 million per occurrence and defense costs outside policy limits, this coverage ensures comprehensive protection for security firms.
Workers Compensation Insurance
Workers' Compensation Insurance provides coverage for medical expenses and lost wages when employees suffer work-related injuries or illnesses. Our program features 24-hour claim reporting, return-to-work programs, and risk management services. Texas companies benefit from our Safety Group Dividend Program, while nationwide clients receive tailored solutions through experienced carriers.
Business Auto Insurance
Business Auto Insurance covers vehicles used for business operations, including liability up to $2,000,000 CSL and optional coverage enhancements. Our program accommodates new ventures with symbol 1 liability availability and offers flexible rating plans. Additional protections include rental reimbursement, towing coverage, and waiver of subrogation provisions for comprehensive fleet management.
Umbrella Liability Insurance
Umbrella Liability Insurance provides excess protection beyond primary policy limits, with coverage up to $10 million. This true follow-form coverage extends to errors and omissions, integrating with both admitted and non-admitted carriers. It ensures additional financial security for catastrophic claims while maintaining alignment with underlying policy terms.
Employment Practices Liability
Employment Practices Liability Insurance protects against claims of discrimination, harassment, and wrongful termination. Our cost-effective EPL program addresses wage and hour law violations and other employment-related disputes. This specialized coverage helps security businesses mitigate litigation risks while maintaining focus on core operations and workforce management.
Questions
What makes your billed hour rating different from payroll rating?
Our premium basis uses billed hours rather than payroll, ensuring fair pricing regardless of overtime or holiday pay increases.
Does liability coverage include assault and battery claims?
Yes, our broad coverage form specifically includes assault and battery protections tailored for security industry needs.
Are deductibles applied inside policy limits?
No, all programs feature deductibles outside policy limits to preserve coverage amounts for indemnity payments.
Will I have a dedicated account representative?
Every account receives a specific customer service representative for consistent support throughout the policy year.
How many security industry clients do you serve?
We've partnered with nearly 20,000 security, alarm, and investigative firms nationwide over our 25-year history.
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