What your property insurer wants from your security vendor
Ask your broker: 'What would reduce my premium?' Nine times out of ten they'll say documented security. Here's the vendor-side checklist.
COI + additional insured
COI naming the property owner as additional insured, refreshed annually or at request.
Tour logs on file
Nightly GPS-verified tour logs kept 365 days — carriers ask for them at renewal.
Incident reports
Every incident PDF'd within 24 hours. Deters premium creep.
Named-perils sweeteners
Documented fire watch, vacant-property patrol, and copper marking can each reduce premium schedules.
Sources
- ISO Commercial Property forms
- III (Insurance Information Institute) property guides
FAQ — Insurance & Security — What Carriers Actually Want
COI naming the property owner as additional insured, refreshed annually or at request.
Nightly GPS-verified tour logs kept 365 days — carriers ask for them at renewal.
Keep learning and vetting
More guides
Related buyer guides
- Guide: Security Guard Cost in Sacramento (2026)Sacramento security guard hourly rates for 2026: unarmed $28–$38, armed $38–$55, mobile patrol from $15/night. Sourced from BLS + BSIS.
- Guide: Vacant Property Security — SacramentoSacramento vacant property security: Citrus Heights ordinance, patrol frequency, board-up standards, and insurance carrier requirements.
- Guide: How to Hire a Security Guard in SacramentoStep-by-step Sacramento security hiring guide: verify BSIS PPO, insurance, wages, dispatch, and MSA. Free vetting checklist inside.
- Guide: California Security Guard License — Everything to VerifyHow to verify a California security guard license, PPO, guard card, and firearms permit. Instant BSIS lookup steps inside.
- Guide: California Security Guard Laws — Powers & LimitsThe California statutes governing private security: arrest authority (PC §837), use of force, detain-and-hold, and civil liability. Sourced.
- Guide: Armed vs Unarmed Security Guard — When Each WinsWhen you actually need an armed guard vs unarmed. Sacramento decision matrix by property type, cost delta, and insurance impact.
Local coverage
Verified guards by suburb
- Verified security guard in RosevillePlacer County · BSIS-verified patrol from $15/night
- Verified security guard in RocklinPlacer County · BSIS-verified patrol from $15/night
- Verified security guard in FolsomSacramento County · BSIS-verified patrol from $15/night
- Verified security guard in Elk GroveSacramento County · BSIS-verified patrol from $15/night
Compare vendors
Stormhammer vs the competition
- Stormhammer Security vs Aegis Elite Patrol Co.Head-to-head with Aegis Elite — pricing, dispatch, licensing
- Stormhammer Security vs Sentrymark Global ServicesHead-to-head with Sentrymark — pricing, dispatch, licensing
- Stormhammer Security vs Grayhaven Guard GroupHead-to-head with Grayhaven — pricing, dispatch, licensing
- Stormhammer Security vs Palladium Regional PatrolHead-to-head with Palladium Regional — pricing, dispatch, licensing