If a licensed PPO has no employees but carries a firearm, what is the minimum insurance they must have?

The minimum insurance requirement for a licensed Private Patrol Operator (PPO) who carries a firearm is $1,000,000 in liability insurance. This amount is mandated to ensure that the operator can cover potential damages resulting from their actions while on duty, particularly given the heightened risks associated with firearm possession.

Carrying a firearm increases the potential for serious incidents, and thus a higher level of liability insurance is crucial to protect both the operator and the public in scenarios that might arise. The state recognizes the responsibility that comes with carrying a firearm and stipulates this insurance coverage to help safeguard against legal claims or damages that could occur during their law enforcement activities.

In this context, other options such as lower coverage amounts or types of insurance that do not pertain specifically to liability, like worker's compensation, do not meet the requirements set forth by the California Private Security Services Act. Therefore, those options do not align with the necessary standards for a licensed PPO with a firearm.