A guard company quotes you an hourly rate. It is a clean number, it fits in a budget line, and it is not what guarding your site costs. This article names the six categories an hourly quote leaves out, why each is invisible, and whether the remote monitoring model removes it or simply moves it.
A note on what is missing, and why. No US security guard wage appears anywhere here. No sourced figure is available, and publishing an unverified one would repeat the exact error being described. Price these categories from your own quote instead.
What does an hourly guard quote actually include?
The quote answers one question: what an hour of presence costs. Two firms quoting the same rate can be selling different things.
The gap sits in three places. Inside the rate, where recruiting, licensing and benefits are priced in but not broken out. Outside the contract, where supervision and scheduling land on your team's time. And on your risk register, where a person on site shows up at renewal rather than on the invoice.
Turnover and re-recruiting: who carries it?
Private security is a high-churn category. This article puts no percentage on that, having no sourced figure to use. The cost is real whether itemised or not: every replacement means someone who has not walked your site, does not know which door is propped open every Friday, and has not met the property manager. The invoice does not change. The coverage does.
Does the remote model remove it? It moves it. F5 employs the agents, so recruiting and replacement sit with F5, with replacement at no cost within 7-14 days. Agents learn your SOP rather than your building, which makes handover faster.
Where it does not help: an agent still has to learn your escalation path and camera layout.
Licensing and training per replacement
Licensing is regulatory, varies by state, and takes time as well as money, so a replacement is not immediately deployable. Property-specific training is yours regardless of who employs the guard, and it is invisible because it is your own staff's time.
Does the remote model remove it? Partly. F5's agents are PSARA-certified before placement, so certification is neither your cost nor your delay. Your SOP training still applies, but happens once against a documented escalation path rather than at every turnover.
Benefits and workers' compensation
Workers' compensation for security work is priced on the risk of the role, and a guard post is not a desk job: overnight lone working, confrontation risk and outdoor patrol all sit behind that premium. When a vendor quotes an hourly rate, that premium is inside it.
Does the remote model remove it? For the monitoring function, yes. F5 employs the agents and carries employment costs within the $6 per hour rate, dropping to $4 per hour at 20 or more agents. There is no separate benefits line to budget.
Where it does not help: if you retain on-site staff, their employment costs are unchanged.
Backfill and overtime when a shift is missed
This is the category most worth reading your contract for. Ask directly: what happens at 2am when the scheduled guard does not arrive, who is called, what does it cost, and what is the guaranteed response time? A quote that does not answer this is quoting for the good case only.
Does the remote model remove it? Largely. Agents work from a staffed operation rather than a single post, so cover does not depend on one person arriving somewhere. If an agent is unavailable another covers.
Where it does not help: at a genuine 24/7 window you are buying the hours either way. The model removes the single point of failure, not the cost of the hours.
Supervision and scheduling overhead
The larger the guard footprint, the more of a property manager's week this consumes. It shows up as a busy manager rather than as a number.
Does the remote model remove it? Substantially. Scheduling is F5's job. Coverage windows are agreed once and then run, and incident reports arrive in a documented format rather than reconstructed from a logbook.
Where it does not help: you still need a named person who owns the escalation path and reviews the reports.
Liability exposure from having a person on site
This is the least visible category and often the largest tail risk. An injury claim, an allegation from an intervention, or a dispute over how an incident was handled all attach to the presence of a person acting on your behalf.
Does the remote model remove it? It removes the exposure created by your own on-site presence: nobody to be injured on your property, nobody positioned to intervene.
Where it does not help, and this matters: your premises liability to residents, tenants and visitors is unchanged. Remote monitoring is not an insurance product. Confirm any expected change with your broker rather than assuming one.
How do the six categories compare?
| Cost category | What an hourly quote covers | What it does not | Who carries it with F5 |
|---|---|---|---|
| Turnover and re-recruiting | Priced into the rate, not itemised | Site knowledge lost at every handover | F5; free replacement within 7-14 days |
| Licensing and training per replacement | Licensing, where the vendor employs | Your staff's time on site induction | F5 for certification; SOP training shared |
| Benefits and workers' compensation | Inside the rate, unbroken out | Any on-site staff you retain | F5, within the hourly rate |
| Backfill and overtime | Varies by contract; often a premium | An uncovered post costs nothing on paper | F5; cover does not depend on one person |
| Supervision and scheduling | Nothing; it is your payroll | Rotas, swaps, timesheets, follow-up | F5 schedules; you keep one named owner |
| On-site liability exposure | Nothing; it is your risk register | Injury and confrontation claims | Removed for monitoring; premises liability unchanged |
How do I compare a guard quote to remote monitoring?
Multiply your own hourly rate out across the real coverage window, weekends and holidays included.
Add what the quote does not cover. Walk the six categories above and ask who pays and how much. Your finance team can price most from last year's actuals.
Decide the coverage window honestly. Buying 24/7 when incidents cluster overnight is the commonest way operators overspend, in either model.
Then compare against F5 at $6 per hour, $4 per hour at 20 or more agents, on your existing cameras.
F5 Honest Limitations
No physical response. Agents observe, verify and escalate on an agreed path. They cannot walk a perimeter, unlock a door, or intervene. A site that needs physical presence needs a guard.
Cameras are not included. F5 monitors an existing system and does not sell hardware. Poor camera coverage should be fixed first, because agents can only act on what the cameras show.
No US-based monitoring centre. Agents are PSARA-certified and based in India. Properties whose insurer or lease requires North American monitoring should use a provider offering it.
No change to your insurance position. Any expected effect on premiums is a conversation with your broker, not a claim made here.
Who should NOT use F5: sites needing on-site physical response or access control by a person, properties without an existing camera system, buyers requiring a North American monitoring centre, and anyone whose lease or insurer specifies a uniformed presence.
The bottom line on guard quotes
An hourly rate answers a narrow question. The cost of guarding a site also includes turnover, licensing and training, benefits and workers' compensation, backfill, supervision and liability. None of those are in the rate.
The remote monitoring model removes some outright, moves others onto the provider, and leaves premises liability and the need for a named owner where they were. Anyone claiming it removes all six is selling.
F5 bills $6 per hour per PSARA-certified agent, $4 per hour at 20 or more agents, billed weekly, on your existing cameras.
See F5 Remote Video Monitoring, the coverage arithmetic in what 24/7 remote monitoring costs, and remote video monitoring vs on-site guards.
To price a coverage window against your current guard contract, schedule a 15-minute call.