Florida Security Guard Insurance: What Your Class "B" License Requires
Short answer: A Florida Class "B" Security Agency (Chapter 493, Florida Statutes) cannot be licensed without first filing proof of commercial general liability coverage of at least $300,000 combined single limit covering death, bodily injury, property damage, and personal injury. Proof is filed on form DACS-16004 with the state listed as an additional insured — and if your policy cancels, your agency license suspends automatically on the cancellation date. OnPost issues Florida-compliant certificates the same day you bind.
Florida Requirements at a Glance
| Requirement | Rule | Notes |
|---|---|---|
| General liability | $300,000 combined single limit | Death, bodily injury, property damage, personal injury |
| Who must be covered | All licensed agency employees | While acting in the course of employment |
| Proof of coverage | Form DACS-16004 | Insurer must be licensed in Florida; division listed for notices |
| Lapse consequence | Automatic license suspension | Effective the date coverage cancels |
Source: Chapter 493, Florida Statutes (s. 493.6110) — verify current rules at flsenate.gov. We confirm current requirements on every quote.
Automatic Suspension: Florida's Hair Trigger
Most states give you a grace period or a hearing. Florida doesn't: the statute suspends your agency license automatically on the day your coverage cancels unless replacement proof reaches the division first. Every guard you post during a suspension is an unlicensed operation. This is why Florida agencies should never let a nonpayment cancellation or a quiet non-renewal ride — and why OnPost tracks Florida renewals earlier than any other state's.
$300K Keeps the License. It Doesn't Keep the Contracts.
Like Texas, Florida's statutory minimum is below what the market actually demands: hotel groups, condo associations, and event venues in Florida overwhelmingly require $1M per occurrence with assault & battery included and additional-insured wording. Florida's nightlife and hospitality security segment also makes A&B coverage the line to check hardest — it's the most common serious claim in the state, and the most commonly excluded.
What a Complete Florida Package Looks Like
- $1M/$2M general liability with personal injury and full A&B limits — statute-compliant and contract-ready.
- DACS-16004 filing handled correctly, division listed, no gaps.
- Workers comp for guard payroll — required with employees in Florida construction-adjacent and most guard operations.
- Commercial auto for patrol vehicles and hired & non-owned auto.
- Firearms liability for Class "G" armed officers — see the armed guard guide.
Get Florida-Compliant Proof Today
New Class "B" application, a cancellation notice in hand, or a venue contract demanding $1M — start your quote and a Florida-savvy specialist comes back today.