Security Master

Standing Guard

Standing Guard is published by Victor O. Schinnerer & Company, Inc. as a service to policyholders.

• Special Endorsements and Policy Language
  Most insurance policies exclude coverage where the insureds could have expected injury or loss. As a result, some insurance companies have developed endorsements to make liability policies more useful to security guard firms.
• Underwriting Risks
  The goal of the underwriting process is to identify those firms that provide the insurer with a reasonable opportunity to make a profit after all claims have been settled.
• Security Issues After September 11, 2001
  Changes in how we perceive and deal with safety issues as a society have accelerated since September 11th specifically, airports and schools.
• Understanding the Application Process
  The application process is critical to properly evaluating security guard firms. Learn how the process works.
• Limiting Liability: Guarding Against Legal Problems
  A security guard company must understand how courts determine liability, prepare proper security contracts, and train employees to avoid liability.
• Premium Audits — A Necessary Evil
  Why do we conduct audits and what are the benefits of audits for insureds?
• Congress Strengthens Airport Security Screener Rules
  Congress passed a new law strengthening the requirements for employees performing security screening operations at airports.

Guarding Against Legal Problems by David C. Tyron

This article by Tyron, helps guard forces limit their liability at client sites. In an ever-changing dangerous world, it is important to teach guards to protect themselves against liability. Tyron points out ways to understand the term "liability"; discusses appropriate training and ways to assess liability; and how to reduce exposures for guard firms. Through the use of pertinent examples and actual court cases, Tyron stresses the importance of protecting guard companies against legal liability.

See the Security Management magazine website for the complete article.