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
Florida security agency insurance starts with a narrow licensing filing, but it should not end there. Class B agencies need to separate FDACS proof of CGL coverage from the broader insurance, contract, COI, workers comp, auto, and armed-guard questions that decide whether the account is actually ready to quote.
Upload the contract, current policy, FDACS filing, loss runs, payroll, armed/unarmed split, patrol-vehicle details, or COI instructions. Our office can sort the requirements from there.
What This Florida Security Guard Requirements Page Helps Sort
FDACS Class B CGL filing and $300,000 licensing-floor context
Class D guard and Class G armed-work questions that affect underwriting
Workers comp thresholds, patrol vehicles, COIs, contracts, and umbrella requirements
Best-fit quote paths for unarmed or mostly unarmed Florida security operations
Florida's Class B security agency insurance filing is a CGL licensing floor, not a complete protection plan.
- 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 guard work, nightlife venues, prisoner transport, armored car, and executive-protection accounts require appetite review before anyone promises a market.
Answer capsule
Florida's Class B security agency insurance filing is a CGL licensing floor, not a complete protection plan.
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. Contracts and underwriting often require more.
For broad coverage, contracts, COIs, and quote-fit questions, use the security guard company insurance pagePractical review map
What to Review Before a Florida Security Guard Insurance Quote
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 appetite quickly.
Quote-fit screening
Clean submissions explain guard duties, venues served, patrol vehicles, employee count, payroll, contracts, claims, and whether high-hazard work is involved.
Quote review
Have a Class B filing, COI request, or security contract sitting in front of you?
Use the quote path before you guess at limits or wording. Upload the FDACS filing, contract, current policy, payroll, guard count, armed split, vehicle details, or certificate instructions and our office can review the real requirement.
Document checklist
What to gather before quoting Florida security guard insurance requirements
A cleaner security quote starts by separating the state licensing filing from the real contract and underwriting questions.
Do not confuse the Class B filing with the whole insurance program
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.
Want our office to check the requirements?
Send the contract, certificate instructions, policy pages, or licensing filing and we can point the quote in the right direction.
Review My Security Guard RequirementsClass 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
Official 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 underwriters review separately from unarmed guard operations.
Common questions
Florida security guard insurance requirements questions
Florida Statute 493.6110 says a Class B agency license may not be issued unless the applicant first files certification of commercial general liability coverage. The statute calls for at least a $300,000 combined single limit for death, bodily injury, property damage, and personal injury, and the policy must cover liability for licensed agency employees while acting in the course of employment. That filing is a licensing floor, not a full security-company insurance program.
Do not assume $300,000 is enough coverage. It is the FDACS Class B CGL filing floor. Client contracts, property managers, schools, HOAs, landlords, venues, carriers, and umbrella markets may require higher limits, broader wording, workers comp, auto, assault and battery review, or additional insured language.
No. FDACS-16004 supports the state licensing CGL certification. It does not prove the policy satisfies a client's additional insured wording, primary and noncontributory wording, waiver request, umbrella requirement, assault and battery wording, commercial auto requirement, workers comp evidence, or professional liability need.
Workers comp is separate from the FDACS Class B CGL filing. Florida CFO guidance says non-construction employers generally need workers comp at four or more employees, including corporate officers or LLC members. Construction has stricter rules, but ordinary security operations should not be described as construction unless the operation actually fits that classification.
Armed work is appetite-sensitive. Underwriters may ask for Class G licensing context, armed percentage, firearm procedures, post orders, use-of-force rules, training, prior incidents, client contracts, patrol details, and whether guards detain, remove, or physically intervene. It should be reviewed case by case.
Case-by-case underwriting is still required, but standard unarmed or mostly unarmed work such as office, retail, warehouse, gated community, construction-site watch, shopping center, and patrol services is often a cleaner starting point than high-conflict venues or heavily armed work. Bars, nightclubs, adult entertainment, prisoner transport, bail enforcement, armored car, and heavy armed bodyguard or executive-protection work need separate market review and may not be a fit.
Need a Florida security guard insurance requirement or contract reviewed?
Upload the contract, current policy, FDACS filing, loss runs, payroll, armed/unarmed split, patrol-vehicle details, or COI instructions. Our office can sort the requirements from there.
Related Security Guard Insurance Resources
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Core CGL coverage for bodily injury, property damage, personal injury, certificates, and contract requirements.
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E&O review for service-related allegations, missed patrol, failure-to-perform, and security-services liability questions.
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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.