The security industry has experienced a number of recent changes, including an increased need for guards. With this growth comes increased risks— it’s important to make sure you are protecting your business and your security employees from potential threats. Central Insurance Agency is prepared to provide you with a custom insurance solution to fit your needs.
The majority of negligent security lawsuits involve assault and battery crimes (42%), followed by sex assault and rape claims (26%); wrongful death (15%), robbery (9%) and lastly, false imprisonment (4%). The remaining percentage (4%) falls into a miscellaneous category, including such as arson, home invasions, and carjacking.
In Roe v. Interstate Properties, (District Court of the Eastern District of Virginia, 1994) the female plaintiff worked at a mall kiosk. As she was closing up the mall kiosk, a gunman forced her into his vehicle where he robbed and raped her in the mall parking lot. Roe sued the mall for failing to provide appropriate security in the mall parking lot.
Via discovery, it was determined that the mall security guard was supposed to be on duty that night but failed to show up. The Plaintiff lawyer also determined that more than 150 crimes had been committed against individuals at the mall. Head of mall security testified that he had requested four guards to patrol the area but had only been given funds to hire one. The mall paid the plaintiff more than $350,000 days prior to trial.
Covering your security agency with a custom insurance plan in unprecedented circumstances like the above case is imperative to protecting your business and your employees. Central Insurance Agency can provide you with the protection and materials you need to ensure the continued success of your company. Contact us today for a free quote!