Comprehensive Security Business Insurance Solutions

Security guard insurance is a tailored set of liability coverages designed for security operations. It can include commercial general liability (bodily injury/property damage), professional liability (errors & omissions for security services), assault and battery, false arrest/wrongful detention, personal and advertising injury, and excess/umbrella. Depending on your operations, solutions can also contemplate options for active shooter/active assailant and other specialty risks. Coverage is customized based on your services, training, contracts, and risk profile.

Yes. XINSURANCE provides armed coverage solutions for high-risk roles such as armed security, executive protection/bodyguards, private investigators, firearms instructors, and more. We can also support businesses and contractors.

Yes. XINSURANCE provides specialty liability solutions for 1099 contractors in two ways:

1. Add them to your business policy (e.g., a security firm using independent contractors)
2. Set up a standalone policy for each contractor

Yes. XINSURANCE provides an all-in-one liability solution under one policy for security guards and bail bond professionals—armed or unarmed.

Important: We do not provide surety bonds (including bail bonds or license/permit bonds). We focus on liability solutions only. If a bond is required, it must be obtained from a bonding/surety provider—your liability can still be handled through us.

XINSURANCE works with security service companies to identify coverage solutions, even if other companies have rejected your application or dropped you from their coverage. Often, these companies drop coverage due to factors like high risk or past claims history. We can plan custom options from partners in our network that suit the particular risks your business faces.

A security company needs insurance solutions for various risks. The most common coverage solutions include:

• Commercial general liability
• Commercial auto
• Professional liability
• Alleged assault and battery liability

Though these are a few common coverage types, each security business operates differently. XINSURANCE gets to know your particular needs so we can identify tailored solutions for your situation. We can find firearms liability solutions for armed guards or special events liability for those who provide services at venues. Whether you work in entertainment, schools, or even places of worship, we’ll work with you to find coverage solutions.

The protection offered depends on the particular details of your insurance solution. For example, an insurance solution that includes professional liability or alleged assault and battery liability may help cover medical expenses for injured parties.

These and other liability solutions may also cover legal fees and settlements up to policy limits in the event of a covered claim. Different solutions may cover property damage, such as events liability for venues where security guards work. When you understand the coverages available, you can make informed decisions to help protect your business, employees, and clients.

You can’t predict what will happen in the future. When you employ security guard services, you may benefit from added peace of mind that your company is protected. Your solution may cover the legal expenses if you are sued and the amount awarded in the case, within your policy limit.

Yes, assault and battery claims (including allegations) are among the most common exposures for security operations. Many standard policies exclude A&B, so dedicated coverage can help with defense costs and damages for covered claims arising from use-of-force incidents, altercations, and similar events. It’s not a license to use force; it’s protection if a covered incident or allegation occurs in the course of your duties.

Not always. Many general liability policies exclude firearms, use-of-force, or armed guard activities. Armed work typically requires a policy that doesn’t contain those exclusions and/or specific armed-guard endorsements. Depending on the incident, related claims may also implicate assault and battery or professional liability. XINSURANCE offers customized solutions that can contemplate armed roles, subject to underwriting and applicable training/licensing.

Needs vary by operation, but many security firms consider:

• Commercial General Liability
• Professional Liability (E&O for security services)
• Assault & Battery
• False Arrest/Wrongful Detention/Personal &
• Advertising Injury
• Excess/Umbrella
• Active Assailant/Workplace Violence