Well, it sounds like you need to pass along the cost of the required insurance premiums to the customers whose needs demand your qualification to meet their demand.
In other words, figure out the average extra cost to you of the insurance job by job, and add it to the bill. If it's 18K/yr, that's 1.5K/mo. If you do 5 security jobs a month, that's $300/job. Then, add your mark-up.
Larry
www.fineelectricco.com