How to start a security guard company in Florida

Florida · 2026 Startup Playbook

How to Start a Security Guard Company in Florida

The complete playbook: choose your services, designate a Class MB manager, get your FDACS Class B agency license and insurance, license your guards, price your bids, and win your first contracts. Includes a free checklist you can tick off as you go.

To start a security guard company in Florida you must hold a Class "B" Security Agency License from the Florida Department of Agriculture and Consumer Services (FDACS), Division of Licensing, under Chapter 493, Florida Statutes. The path: designate a manager who holds a Class "MB" Manager license (or a Class "D" officer who has held it 2+ years), form your business, carry general liability insurance meeting the state minimum ($300,000 combined single-limit), apply through the FDACS Division of Licensing, then license each guard (Class "D" for unarmed officers). There is no company-representative exam. Budget roughly $542 in FDACS fees for a single owner and plan up to 90 days for FDACS to process the application and background check.

$450
Class B license fee (2-year)
2 years
license term
$300K
min. liability (combined single-limit)

Florida is the third-largest state for private security employment, with roughly 140,000 security guards (U.S. Bureau of Labor Statistics). Demand runs statewide, from Miami and Orlando to Tampa and Jacksonville. Florida's 40-hour Class D training is among the most rigorous in the country, and the FDACS Division of Licensing regulates every agency and officer. This guide covers the full journey, from your first decision to your first signed contract.

The Florida security startup checklist

Free resource

The Florida Security Startup Checklist

  • Every step across 6 phases, from your Class MB manager to your first contract
  • Tick items off online, your progress saves automatically
  • Download the whole thing as a printable PDF
1

Decide what security services you'll offer

You do not have to pick a single niche. Plenty of Florida firms offer several services at once, then lean into whichever wins the most contracts. The point of this step is to decide what you can realistically staff and sell on day one.

  • Common service lines: static guards, mobile patrol, construction-site security, retail and loss prevention, events, residential and HOA patrol, and healthcare.
  • Armed or unarmed: armed officers need a Class G statewide firearm license (28 hours of firearms training) and higher insurance, so most new companies launch with unarmed Class D officers (40 hours) and add armed services later.
Pro tip: Start with one or two service lines you can staff well. A focused company that always covers its posts beats a do-everything firm that misses shifts.
2

Appoint your agency manager (Class MB)

This is the gate. A Class "B" security agency in Florida must have a designated manager who holds a Class "MB" Manager license. There is no state exam for the Class MB. The manager requirements are:

  • At least one year of experience in security work or related fields.
  • Plus one of: one year of managerial or supervisory experience; up to one year of college coursework in criminal justice, criminology, or law-enforcement administration; or relevant U.S. Armed Forces training or education.
  • Class MB fees total $177.75 ($50 application + $42 fingerprint + $10.75 retention + $75 license).

There is an exception to the Class MB requirement: a Class "M" licensee, or a Class "D" Security Officer licensee who has held the Class "D" for at least two years, may be designated as the manager without a separate MB license. An owner or officer who oversees the regulated services can serve as the manager if they qualify. If you do not personally qualify, you can bring on someone who does.

Read the FDACS Class MB manager requirements →

3

Name your company

You will list your company name on the FDACS license application, so pick something professional and available before you file.

  • Check the name is free on the Florida Division of Corporations (Sunbiz) business search, and grab the matching domain.
  • Avoid words that imply law enforcement or a government agency, which can be rejected.
Pro tip: Lock in your exact legal entity name before you buy your insurance certificate, the certificate has to show the same company name you license under.
4

Choose your business structure (Inc or LLC)

Security is a high-liability industry, so the structure you choose matters. Many Florida security firms form a corporation to put the strongest shield between the business and the owner's personal assets; an LLC is simpler and still separates liability, while a sole proprietorship offers no protection at all. Talk to an attorney or CPA about what fits your situation.

Register your business on Sunbiz →

5

Get your Class B agency license (FDACS Division of Licensing)

With your manager and business in place, apply for your Class "B" Security Agency License through the FDACS Division of Licensing, either online at the licensing portal or by mail to Tallahassee or a regional office. Plan for the full cost, not just the headline fee.

  • License fee: $450 for a two-year license. The $450 is due only after FDACS approves the application.
  • Application fee: a $50 application fee.
  • Fingerprinting: a $42 fingerprint processing fee, submitted electronically through a FDACS-approved Livescan provider (per sole proprietor, each partner, or each corporate officer). A single owner starts at roughly $542 total.
  • Insurance: proof of general liability insurance meeting the state minimum (see Step 6) is required before the license is issued.
  • Timeline: FDACS has 90 days by statute to approve or deny once a complete application is received. Plan several weeks to about three months and apply before you take on clients.

The agency licensing steps, in order

1Prep & manager
2Submit to FDACS
3Background check
4License issued
Tip: Apply and pay online through the FDACS Division of Licensing; paper applications take longer to process.

Apply for your Class B agency license with FDACS →

6

Get the right insurance

FDACS will not issue your agency license without proof of general liability insurance, and your clients will ask for it too.

  • General liability (required by FDACS): a commercial general liability policy with a combined single-limit of at least $300,000 covering death, bodily injury, property damage, and personal injury. It must cover all licensed agency employees while on duty, filed on the FDACS-16004 Certificate of Insurance.
  • Client requirements often go higher: many commercial contracts ask for $1,000,000, so quote that when you price insurance.
  • Workers' compensation: Florida requires workers' compensation for non-construction businesses with four or more employees, so most security agencies will need it once they reach four employees.
  • Commercial auto: needed if you run mobile patrol or company vehicles.
How to find it: Search "security guard general liability insurance Florida" and pick a broker that specializes in the security industry. They already know the FDACS combined single-limit minimum and can bundle general liability, workers' compensation, and commercial auto into one quote. Get at least two or three quotes before you commit.
7

Hire and license your guards

Every security officer you employ in Florida must be licensed by FDACS and complete state training before they work a single shift.

  • Class "D" Security Officer (unarmed): requires 40 hours of training, total fee $97.75 ($45 license + $42 fingerprint + $10.75 retention). An officer must hold a Class D to do unarmed work.
  • Class "G" Statewide Firearm License (armed): requires 28 hours of firearms training, total fee $164.75 ($112 license + $42 fingerprint + $10.75 retention). An officer must hold a Class G to carry a firearm.
  • Background check: each applicant submits fingerprints through a FDACS-approved Livescan provider for a state and FBI check.
  • Cost and timing: FDACS Class D processing is typically 10 to 30 days; officers cannot work until they are licensed.

For the full breakdown, see our guide to Florida security guard license requirements.

License an officer with FDACS →

8

Price your services and bid on contracts

Underpricing is the fastest way to fail in contract security. Build your hourly bill rate from the ground up so every shift is profitable.

  • Start with true cost: guard wage + payroll taxes + workers' comp + general liability + uniforms and equipment.
  • Add overhead and margin: your office, software, recruiting, and a profit margin that survives a bad payroll cycle.
  • Write clear proposals: spell out scope, post orders, hours, rates, and what is included so clients compare value, not just price.

Not sure where to land? Use our free security guard pricing calculator to set a defensible bill rate in minutes.

9

Win your first clients

A license lets you operate; sales is what keeps the lights on. Your first contracts usually come from close to home.

  • Where first deals come from: local property managers, construction firms, retailers, event organizers, and your own network and referrals.
  • Look credible fast: a simple website, a Google Business Profile, clean uniforms, and a one-page capability sheet.
  • Sell proof, not promises: clients want to know you will actually cover the post and prove the patrols happened.
10

Set up the systems you'll need to run it

Once contracts start, manual scheduling and paper reports break down fast. The right software is also what clients increasingly ask for as proof of service.

  • Scheduling so posts are always covered and overtime stays under control.
  • GPS-verified clock-in and checkpoint tours to prove guards were on site and patrols happened.
  • Incident reports and payroll-ready timesheets so billing and pay are accurate.

Novagems gives new Florida operators one app for guard scheduling, GPS-verified clock-in, checkpoint tours, and incident reports, so you look established from your very first contract.

novagems.com

Florida Security Company Startup Checklist

Tick each item as you complete it. Your progress saves automatically on this device. Download or print it any time.

Your progress0 of 0 done

1. Decide & plan

2. Manager & licensing

3. Set up the business

4. Insurance & finances

5. Get licensed & staffed

6. Run & grow

Frequently asked questions

How much does it cost to start a security company in Florida?

Expect about $542 in FDACS fees for a Class "B" agency license: a $450 license fee (due after approval), a $50 application fee, and a $42 fingerprint processing fee per owner or officer. On top of that, budget for general liability insurance (a $300,000 combined single-limit minimum), business registration, uniforms, and software; workers' compensation is required once you reach four employees. Each officer needs Class "D" training (40 hours) before they can be licensed.

Do I need a manager to start a security company in Florida?

Yes. A Class "B" agency must have a designated manager who holds a Class "MB" Manager license. There is no state exam for the Class MB. As an exception, a Class "M" licensee, or a Class "D" Security Officer who has held the Class D for at least two years, may serve as the manager without a separate MB license. An owner or officer who oversees the regulated services can serve in this role if they qualify.

Do I need a license to start a security guard business in Florida?

Yes. You must hold a Class "B" Security Agency License from the FDACS Division of Licensing to run a contract security company. Operating without one is illegal. Separately, every officer you employ must be licensed by FDACS (Class "D" for unarmed, Class "G" to carry a firearm) and complete state training before working a shift.

How long does it take to get a Florida security company license?

FDACS has 90 days by statute to approve or deny once a complete application is received. The FBI fingerprint background check is usually the longest step. Plan several weeks to about three months and start the process well before you intend to take on clients.

What insurance do I need for a security company in Florida?

FDACS requires a commercial general liability policy with a combined single-limit of at least $300,000 covering death, bodily injury, property damage, and personal injury, filed on the FDACS-16004 Certificate of Insurance and covering all licensed employees while on duty. Many commercial clients require more, often $1,000,000. Workers' compensation is required once you reach four employees; add commercial auto if you run mobile patrol.

Should I form an LLC or a corporation for my security company?

Both separate your business from your personal assets, but because security is a high-liability industry many Florida firms choose a corporation for the strongest protection and easier scaling. An LLC is simpler and still shields personal assets; a sole proprietorship offers no protection. Confirm the best fit for your taxes and goals with an attorney or CPA.

Launch your Florida security company on solid footing

From your first guard to your fiftieth, Novagems handles scheduling, GPS-verified clock-in, checkpoint tours, and incident reports in one app, so you look established from day one. Trusted by 500+ security and cleaning companies.

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