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.[1]
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
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.
Updated 2026-09-28. Editorial Policy
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