(a) (1) A security guard agency or security guard employer that employs five or more individuals as security guards shall: (i) maintain commercial general liability insurance, including errors and omissions and completed operations with a $1,000,000 total aggregate minimum; and (ii) submit proof of the required insurance to the Secretary. (2) A security guard agency or security guard employer that employs fewer than five individuals as security guards shall: (i) maintain commercial general liability insurance, including errors and omissions and completed operations with a $500,000 total aggregate minimum; and (ii) submit proof of the required insurance to the Secretary. (b) (1) If an applicant for a license or a security guard employer intends to employ one or more individuals as security guards, the applicant shall submit proof of the liability insurance required under subsection (a) of this section to the Secretary with the license application. (2) (i) The Secretary may not issue a license to an applicant to whom the insurance requirements of this section would apply unless the applicant submits proof of the insurance. (ii) The Secretary may not authorize the certification of a security guard for a security guard employer unless the security guard employer submits proof of applicable insurance under subsection (a) of this section. (c) If the insurance required for a security guard agency or security guard employer under this section is canceled, forfeited, or otherwise terminated, both the security guard agency or the security guard employer and the insurer shall notify the Secretary. (d) If a security guard agency fails to maintain the liability insurance required under this section, the license of the security guard agency: (1) is suspended automatically; (2) shall remain suspended until the agency complies with the requirements; and (3) may not be reinstated until the agency submits proof of the required insurance to the Secretary. (e) If a security guard employer fails to maintain the liability insurance required under this section, the Secretary may prohibit a security guard employer from employing a certified security guard until the security guard employer: (1) complies with the applicable insurance requirements under subsection (a) of this section; and (2) submits proof of the required insurance to the Secretary.
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