Can one policy cover both physical guarding and cybersecurity services?

Do not assume one policy includes every operation; ask which forms and declared activities apply.

List guarding, installation, monitoring, testing, response and subcontracted work as distinct operations. Chubb DigiTech ERM is a named technology E&O example; it does not establish terms for physical security work.^7,⁶

Read the Security Services Insurance Buying Guide

Sources and Further Reading for Security Services

1
Small Business Insurance — National Association of Insurance Commissioners. BOP and exclusions; general liability and exclusions; professional liability, crime and cyber; business property. General educational descriptions, not policy terms.
2
Launch Your Business: Get Business Insurance — U.S. Small Business Administration. Get business insurance and four steps to buy; general coverage categories and quote comparison guidance. Do not rely on the page’s overbroad employee insurance statement.
3
Cybersecurity for Small Business — Federal Trade Commission. Supplier risk, response planning and cyber-insurance buyer questions. Educational guidance, not policy wording.FTC cybersecurity guidance on supplier risk and policy questions.
4
Cyber Insurance — Federal Trade Commission (content developed with NAIC and federal partners). First-party coverage, lines 46–77; third-party coverage, lines 78–102. Examples are not a promise for any policy.
5
Technology Exposures — Chubb. Information loss, network-security failure, interruption, vendor incidents and technology-service errors; exposure examples, not a coverage determination.Chubb risk scenarios for technology-service and vendor exposure.
6
Cyber Insurance Coverage and Products — Chubb. DigiTech Enterprise Risk Management product description; Chubb’s named product summary describes technology E&O for third-party financial injury arising from insured products and services. Product-specific summary, not a universal definition or buyer policy form.
7
Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024; commercial property, inland marine, boiler and machinery/equipment breakdown, commercial general liability, commercial auto, umbrella, and workers compensation. California-focused guidance; confirm other jurisdictions and actual policy wording.California-focused reference for commercial liability, property and inland-marine topics; confirm terms and requirements where the business operates.

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