Commercial auto covers marked patrol vehicles. Continuous route driving makes this a significant part of the program.
Yes. False arrest and detention claims are common and often addressed under personal injury coverage within general liability.
Commonly one million primary with excess layers. Property management and municipal contracts often require more.
Substantially. Armed operations are underwritten separately, priced higher, and declined by many carriers. Disclose it.
Often not. Standard general liability excludes it, and for a guard company that exclusion is the entire risk. Confirm it's added back.
