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Personal and Property Protection Services Liability Insurance
Bodyguards, close protection, event officers, one-off services: specialised liability for all personal protection professions, in accordance with BSP requirements.
Personal protection and property services include several distinct but interrelated activities: bodyguards (close protection), agents for private events, protection of public figures, escorting of valuables, secure transportation. These activities combine classic civil liability risks (damage to third parties) with occupational risks (use of force, contested defence, injuries caused during interventions). A BSP-compliant Protective Services RC policy covers third-party liability, professional liability of officers, and may include endorsements for weapons, vehicles, and special events.
The 6 Essential Protections for Protective Services
Third-party liability
Injuries caused to bystanders, customers, or other third parties during an intervention. Limit $2 million to $10 million.
Professional liability for agents
Disputed use of force, allegations of negligence, error in threat analysis.
RC Weapons Equipment
If armed guards: specific coverage, conditional on training and BSP permits.
Fleet of escort vehicles or secure transport. Commercial road liability coverage.
Legal protection
Lawyers’ fees in case of criminal or administrative proceedings involving agents.
💡 Broker’s advice
In personal protective services, the most common risk is not violent assault—it is the fall of a third party or officer during a stampede, while moving in a crowd, or in a poorly lit area. These incidents trigger classic RCs. Systematically document every trip (route, team, equipment) to strengthen your defense in the event of a claim. Traceability also reduces your premium.
Frequently Asked Questions
What is the difference between protection services and traditional guarding?
Protection services generally aim at the active protection of people or goods of high value (escort, close protection, VIP). Security is often more passive (static surveillance, patrol). Risks and premiums differ significantly — accurately report your activities at the time of underwriting.
How much does a protective services liability insurance cost in Quebec?
Between $2,000 and $8,000 per year for a small firm (1 to 10 agents) without armed guards. With armed guards or VIP protection: $8,000 to $25,000/year. The recommended minimum limits are $2 million for one-time services, $5 million+ for continuous close protection.
Does the BSP require this insurance?
Yes — the Bureau de la sécurité privée requires proof of insurance for the issuance and renewal of agency and agent licences. Personal protective services are subject to the same regulatory regime as babysitting. Certificate provided within 48 hours.
My bodyguard uses force to protect a client — covered?
Yes, via professional liability, provided that the use of force is reasonable and proportionate. Insurers require up-to-date BSP training, systematic incident reporting, and clear contractual clauses with customers. Abusive or criminal use is excluded.
Are services for public or political figures covered?
Yes, with “high-profile personal protection” endorsements. Higher premium (30 to 100% surcharge) due to the increased risk. Minimum limits $5 million to $10 million. Some clients (politicians, judges, doctors) require specific declarations.
Are protection officers travelling outside Quebec covered?
Generally yes for Canada and the United States, via the standard clause. Assignments in Europe, Latin America or elsewhere require a worldwide extension or local fonts. Declare any international mission when you subscribe.
Are our armoured or fast protection vehicles covered?
Yes, through Specialty Commercial Auto Insurance. Armoured vehicles require a specific declaration (high value, defensive equipment). Pursuit or interception vehicles are generally excluded unless explicitly agreed.
Are performances at galas and major events (Artis Gala, festivals) covered?
Yes, via the “event” amendment. Limits $5 million to $10 million depending on size. The producer or promoter may be named as a co-insured. Report each material event at the time of underwriting — some are analyzed on a case-by-case basis.
Civilian arrests or contested interventions — covered?
Your professional liability covers allegations of unlawful arrest, profiling, wrongful detention, provided that the officer acted within the legal framework. Rigorous documentation (body cameras, reports) is essential. Fraud and intentional criminal acts are always excluded.
Protective Services Across Quebec
Assur360 supports businesses throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières and Saguenay. Close protection firms in Montreal, event protection in Quebec City, VIP services in Laval, specialized agents in the regions: our brokers support all protection service structures, from certified solo to firms of 100 agents.
100% online quote, free of charge, with comparison of several Canadian insurers.
