Saskatchewan Security Guard License Practice Exam

What type of insurance is important for security guards to carry?

1. Health insurance

2. Property insurance

3. Liability insurance to protect against claims of negligence

4. Life insurance

The correct answer is: Liability insurance to protect against claims of negligence

Liability insurance is crucial for security guards because it provides protection against claims of negligence that may arise during the course of their duties. Security professionals are often in situations where their actions might be scrutinized, and if a security guard is accused of causing harm or failing in their duties—whether it involves injury to a person, property damage, or other issues—liability insurance helps cover the legal costs and damages associated with such claims. This type of insurance safeguards not only financial stability but also the professional reputation of the guard. While health insurance, property insurance, and life insurance are also important types of coverage for individuals, they do not specifically address the unique liabilities that come with the security profession. Health insurance covers medical expenses, property insurance protects physical assets, and life insurance provides financial support to beneficiaries in the event of the policyholder's death; none of these directly cover the legal implications and potential financial burdens resulting from negligence claims, which is fundamental for security guards operating in potentially high-risk situations.