Accurate rejection of sensitive or harmful visual content, i.e., harmful image guardrail, is critical in many application scenarios. This task must continuously adapt to the evolving safety policies and content across various domains and over time. However, traditional classifiers, confined to fixed categories, require frequent retraining when new policies are introduced. Vision-language models (VLMs) offer a more adaptable and generalizable foundation for dynamic safety guardrails. Despite this potential, existing VLM-based safeguarding methods are typically trained and evaluated under only a fixed safety policy. We find that these models are heavily overfitted to the seen policy, fail to generalize to unseen policies, and even lose the basic instruction-following ability and general knowledge. To address this issue, in this paper we make two key contributions. First, we benchmark the cross-policy generalization performance of existing VLMs with SafeEditBench, a new evaluation suite. SafeEditBench leverages image-editing models to convert unsafe images into safe counterparts, producing policy-aligned datasets where each safe-unsafe image pair remains visually similar except for localized regions violating specific safety rules. Human annotators then provide accurate safe/unsafe labels under five distinct policies, enabling fine-grained assessment of policy-aware generalization. Second, we introduce SafeGuard-VL, a reinforcement learning-based method with verifiable rewards (RLVR) for robust unsafe-image guardrails. Instead of relying solely on supervised fine-tuning (SFT) under fixed policies, SafeGuard-VL explicitly optimizes the model with policy-grounded rewards, promoting verifiable adaptation across evolving policies. Extensive experiments verify the effectiveness of our method for unsafe image guardrails across various policies.