PSB 05 Requirements for Security Guard Businesses in Texas
Issued by the Texas Department of Public Safety's Private Security Bureau (PSB), this mandatory insurance certificate is a cornerstone of operating legally and professionally in the state.
You cannot run a secuirity business in Texas without first completing your PSB-05 and renewing it annually.
What Is the PSB-05?
The PSB-05 is a certificate of liability insurance that all licensed private security companies in Texas must carry. Required as part of both the initial licensing process and annual renewals, it confirms that your business maintains general liability coverage that meets the PSB's minimum standards.
Link to the PSB-05 Form: Link
Texas Online Private Security (TOPS): Link
Who Is Required to Comply?
Any business licensed under the Texas Private Security Act must hold a valid PSB-05, including:
Security guard services (armed and unarmed)
Alarm system installers
Private investigators
Security consulting firms
Locksmiths
Minimum Coverage Requirements
The PSB mandates (Rev. 02/2012) the following general liability limits:
Coverage Type Minimum:
Bodily injury & property damage (per occurrence): $100,000
Personal injury (per occurrence): $50,000
Total aggregate (all occurrences): $200,000
Most carriers only offer coverage levels higher these requirements with a $300,000 or $500,000 being the common minimum offered.
Why the PSB-05 Matters
Beyond satisfying a legal checkbox, the PSB-05 serves real business purposes:
License protection. Without it, your business cannot legally operate or renew its license in Texas.
Client confidence. Proper insurance signals professionalism and a genuine commitment to your clients' safety.
Financial protection. General liability coverage shields your business from costly lawsuits involving bodily injury, property damage, or personal injury claims.
How Can We Help
We specialize in insurance for Texas security guard businesses — which means we understand your risks, your deadlines, and your compliance obligations. Here's what we offer:
Coverage that meets PSB standards, including policies that meet or exceed minimum requirements
PSB-05 filing assistance, so the paperwork gets handled correctly and on time
Competitive premiums through relationships with top-rated carriers
Whether you're launching a new operation or renewing an established one, we're ready to help you stay compliant and protected. Contact us today to get started. (915) 336-3951
