California Private Security Services Practice Test

In California, a licensed Private Patrol Operator (PPO) who has no employees and does not carry a firearm is not required to maintain any specific insurance coverage. While certain types of insurance, such as liability insurance, can be beneficial for protecting against potential claims arising from their operations, there is no legal mandate for a PPO in this scenario to obtain any insurance.

Liability insurance is typically associated with protecting against claims of negligence, but without employees or the potential risks associated with carrying a weapon, the obligation to have this coverage is not applicable in this case. Similarly, workers' compensation insurance is only necessary when there are employees to cover for work-related injuries; without employees, this is irrelevant. Professional insurance is also not mandated for an operator without the complexities that come with handling clients or providing specialized services that typically require such policies.

Thus, the correct response reflects the absence of a legal requirement for insurance under these specific circumstances.