Business Details
35 Years
experience
Trusted Security Industry Insurance Solutions
Costanza Insurance has specialized in providing tailored insurance solutions for the security industry since 1991. With over three decades of experience, we focus exclusively on serving alarm companies, security guard firms, private investigators, and related security businesses. Our deep industry expertise allows us to design cost-effective risk management programs that address the unique exposures faced by security professionals. We maintain partnerships with highly rated carriers to deliver comprehensive coverage options, including general liability, workers' compensation, and employment practices liability insurance. Our dedicated service team works closely with clients to ensure timely solutions, enabling them to concentrate on their core operations.Through our nationwide programs, we support both small family-owned businesses and large national firms with equal commitment. Our innovative approach combines specialized underwriting knowledge with personalized service to meet evolving industry needs. We prioritize transparency in all client interactions and maintain strict confidentiality for all business relationships. Our track record demonstrates our ability to secure competitive rates while maintaining robust coverage limits for our clients. We remain committed to advancing our industry leadership through continuous improvement of our products and services.
Services
General Liability
Workers' Compensation
Business Auto
Umbrella Liability
Employment Practices Liability
Details
- Year established: 1991
Highlights and features
- We offer 25+ years of specialized experience in security industry insurance
- Our exclusive programs target niche security industry requirements
- We serve both small businesses and national security firms effectively
- Our solutions combine competitive pricing with comprehensive coverage
- We maintain dedicated service teams with deep industry expertise
Services
General Liability Insurance
Comprehensive protection for security businesses against claims of bodily injury, property damage, and personal injury. Covers incidents like assault and battery, care custody and control situations, and employment practices liabilities. Includes optional enhancements like punitive damages and firearms coverage with policy limits up to $5 million per occurrence.
Workers' Compensation Insurance
Specialized coverage for employee injuries and occupational illnesses in security operations. Features 24-hour claims reporting, return-to-work programs, and managed care facility partnerships. Includes risk management services and safety group dividend programs for Texas companies to help control costs and reduce claim frequency.
Business Auto Insurance
Tailored vehicle coverage for security company fleets with liability limits up to $2 million. Offers symbol 1 liability availability, experience rating plans, and optional endorsements like rental reimbursement and drive-other-car coverage. Designed for both established businesses and new ventures in the security industry.
Umbrella Liability Insurance
Additional liability protection beyond primary policy limits with true follow-form coverage. Provides up to $10 million in limits through admitted and non-admitted carriers. Covers extended risks including errors and omissions, offering critical protection for high-exposure security operations.
Employment Practices Liability
Specialized protection against employment-related claims including discrimination, harassment, and wrongful termination. Addresses wage and hour law violations and other workplace disputes. Designed to protect security businesses from the increasing litigation risks associated with employee relations in today's regulatory environment.
Questions
What security industry sectors do you specialize in?
We specialize in alarm companies, security guard services, private investigators, and security consultants. Our programs also cover related security operations including executive protection and armored car services.
How do you help security businesses save money?
Through our industry-specific expertise and carrier partnerships, we secure competitive rates while maintaining comprehensive coverage. Our risk management programs help reduce claim frequency and severity for long-term cost savings.
What coverage options are available for new security firms?
We offer programs for new ventures with symbol 1 liability availability and flexible underwriting options. Our team works closely with start-up security businesses to establish appropriate coverage structures.
How quickly can claims be reported?
Our workers' compensation program features 24-hour claim reporting services. General liability and other claims receive prompt attention through our dedicated claims management team.
Do you offer nationwide coverage?
Yes, all our programs are available nationwide with consistent underwriting standards and service quality across all states where we operate.
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Reviews (2)
Buttercup Owens
Aug 06, 2017
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Called in for a quote and the lady who answered the phone was kind of rude I asked her for a quote so she sent me to a automated voice message system and it hung up on me.
Don Baker
Jan 20, 2017
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This company has been great to work with! I have worked with Mr. Costanza and have nothing but good to say about his integrity and honesty. I highly recommend this company!
