FDACS Class B CGL filing
The state licensing filing verifies commercial general liability coverage for the agency license. It should not be stretched into a full insurance-program answer.
Florida Class B agency requirements
Florida Security Guard Insurance Requirements for Class B Agencies
Start with Florida's Class B licensing filing, then compare general liability, contracts, certificates, workers compensation, commercial auto, professional liability, armed services, and price for the agency.
Start with your business details and tell us what you need: a new policy, renewal comparison, or help with a contract. Share any documents you have, and we will help with the next steps.
Florida security agency insurance requirements
FDACS Class B CGL filing and $300,000 licensing-floor context
Class D guard and Class G armed-work details that affect coverage and price
Workers comp thresholds, patrol vehicles, COIs, contracts, and umbrella requirements
Guard counts, contracts, vehicles, payroll, and loss details used to compare coverage and pricing
Start with the Class B CGL filing, then compare the rest of the security company's coverage.
- Florida Class B security agencies file proof of commercial general liability for licensing, usually through FDACS-16004.
- The $300,000 CGL limit is a statutory licensing floor, not a recommendation that the agency has enough insurance.
- Workers comp, commercial auto, E&O, umbrella, crime, cyber, and assault and battery wording are separate coverage questions.
- Armed guards, nightlife venues, prisoner transport, armored cars, and executive protection can change the carriers and pricing available.
Quick answer
Start with the Class B CGL filing, then compare the rest of the security company's coverage.
A Florida Class B security agency must file proof of commercial general liability before the license is issued, using the FDACS Certification of Insurance process. The statutory minimum is at least $300,000 combined single limit for death, bodily injury, property damage, and personal injury, and the coverage must apply to licensed agency employees while acting in the course of employment. Client contracts and insurer terms may require more.
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Coverage to check for your security company
Contract requirements
Property managers, HOAs, schools, warehouses, and commercial clients may ask for higher limits, additional insured wording, waiver language, umbrella, auto, or workers comp evidence.
Armed versus unarmed work
Class G armed exposure, firearm procedures, use-of-force controls, post orders, and prior incidents can change carrier availability quickly.
Details that shape the quote
Guard duties, venues, patrol vehicles, employee count, payroll, contracts, claims, and higher-hazard work help us compare insurers and pricing for the agency.
Compare your options
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Tell us about your guards, armed or unarmed work, and the coverage you need. Have a contract or current policy handy? Include it. You can start your request without uploading documents.
Document checklist
What helps us quote your security agency
Start with your business details, guard duties, and armed or unarmed work. You can request a quote before you have every document below. We will let you know what else would help.
Compare the Class B filing with the agency's full coverage needs
The FDACS filing is a licensing requirement for commercial general liability. It does not automatically solve workers comp, auto, umbrella, professional liability, assault and battery wording, false arrest or wrongful detention wording, crime, cyber, or a client's contract wording.
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Send the contract, certificate instructions, policy pages, or filing requirements so we can compare the right coverage and prices.
Check Security Guard PricingClass B agency name, license status, branch locations, licensed address, and FDACS-16004 or current CGL proof if available
Guard count, Class D details where available, payroll, annual revenue, employee count, and whether workers comp is already in place
Armed percentage, Class G firearm exposure, firearm procedures, training, post orders, use-of-force rules, and incident-report process
Client types served: office, retail, warehouse, gated community, construction-site watch, shopping center, patrol, school, venue, or event work
High-hazard flags: bars, nightclubs, adult entertainment, prisoner transport, bail enforcement, armored car, heavy armed bodyguard, or executive-protection work
Contracts, COI instructions, additional insured wording, primary and noncontributory wording, waiver requests, umbrella limits, and evidence deadlines
Patrol vehicles, supervisor vehicles, hired/non-owned auto exposure, driver list, radius, and whether guards use personal vehicles for work
Current policy declarations, renewal offer, loss runs, prior claims, incident history, and any carrier questionnaires already received
Industry and public references
Sources for Florida Security Guard Insurance Requirements
These official sources frame Florida licensing and workers comp requirements. Actual coverage decisions still depend on the agency's operations, contracts, payroll, vehicles, armed exposure, claims history, and policy forms.
Florida Statute 493.6110 - licensee insurance
Official statute for the Class B agency commercial general liability certification, $300,000 combined single limit, employee liability language, notices, and cancellation suspension.
FDACS-16004 Certification of Insurance
FDACS insurance certification form used for the Class B security agency CGL filing under Chapter 493.
FDACS Class A/B/R agency application
FDACS agency application instructions explaining that Class B applicants submit proof of CGL coverage on FDACS-16004 before license issuance.
Florida CFO workers comp coverage requirements
Official Florida workers compensation employer guidance by industry, employee count, construction status, and business structure.
FDACS Class D security officer requirements
FDACS licensing context for individual security officers, separate from the agency's Class B insurance filing.
FDACS Class G firearm license requirements
FDACS firearm-license context for armed security work, which insurers review separately from unarmed guard operations.
Common questions
Florida security guard insurance requirements questions
Need a Florida security guard insurance requirement or contract reviewed?
Start with your business details and tell us what you need: a new policy, renewal comparison, or help with a contract. Share any documents you have, and we will help with the next steps.
Related Security Guard Insurance Resources
Security Guard Company Insurance
Primary Florida security guard insurance page for GL, E&O, workers comp, patrol vehicles, contracts, COIs, and quote help.
Security Guard Quote
Send security agency details, armed percentage, contracts, loss runs, payroll, vehicles, and COI needs for review.
General Liability Insurance
Core CGL coverage for bodily injury, property damage, personal injury, certificates, and contract requirements.
Professional Liability Insurance
E&O review for service-related allegations, missed patrol, failure-to-perform, and security-services liability questions.
Workers Compensation Insurance
Florida workers comp coverage questions for guards, patrol staff, payroll, employee count, and contract evidence.
Commercial Auto Insurance
Coverage review for patrol vehicles, supervisor vehicles, hired/non-owned auto, employee driving, and driver lists.