Security Business Insurance Solutions in Arizona
Liability coverage built for Arizona's security companies, guard services, and private investigators.
Get Your Customized QuoteArizona security companies need coverage that keeps pace with a fast-growing state and a complex risk environment.
From resort security in Scottsdale to commercial patrol operations in Phoenix and Tucson, Arizona security professionals face liability exposures that standard carriers regularly exclude. XINSURANCE builds policies designed for how Arizona security businesses actually operate.
Custom Security Insurance for Arizona's Growing Market
Arizona’s security industry is one of the fastest-growing in the Southwest. Phoenix, Scottsdale, Chandler, and Tempe have seen major commercial and residential expansion, creating demand for patrol services, event security, executive protection, and armed guard operations at retail, hospitality, and corporate campuses. With that growth comes increased liability exposure, and an insurance market that often isn’t keeping up.
Standard general liability policies in Arizona routinely exclude assault and battery claims, armed guard operations, and wrongful detention scenarios. These are the exact situations Arizona security companies are most likely to encounter. XINSURANCE underwrites each account individually, looking at your contracts, training records, deployment environments, and claims history to build coverage that actually responds.
We work with security businesses operating throughout Arizona, including companies based in Phoenix, Tucson, Mesa, Scottsdale, Chandler, and Tempe. Armed operations, 1099 contractors, and businesses that have been previously declined are all welcome.
Who We Can Help in the Security Industry
XINSURANCE provides customizable security guard insurance and security company insurance solutions for:
- Armed and unarmed security guards
- Security guard companies
- Investigation companies
- Security systems companies
- Security training companies
- Bodyguard companies
- Private security
- And more!
Security Business Insurance Coverages
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
TRU Umbrella
Additional coverage to fill the gaps and exclusions in your existing policy. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property or during scheduled events in which your security services are provided. Learn more.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal used for business purposes such as guard dogs and service dogs. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Equipment Coverage
Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
Firearms Liability*
Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.
*Available in most states
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Property Coverage
Covers the security company’s building and the contents within it from weather-related risks, vandalism, theft, and more. Learn more.
Riot and Civil Commotion Liability
Liability protection against claims made from a riot or civil commotion.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
Weapons Coverage
Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.
How To Get A Quote
Request Your Quote
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Specify Your Needs
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Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
TRU Homeowners
There’s a wide range of reasons why your homeowners policy may not be able to offer you sufficient coverage. Fortunately, XINSURANCE can offer TRU Homeowners solutions to cover wind, floods, earthquakes, mudslides, wildfires, and more.
Animal Liability
Animal liability insurance provides third-party coverage that protects you in the event of damages or injuries caused by your dog or other pet that you own.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
Security Guard and Security Company Insurance FAQs in Arizona
What licensing does Arizona require for security companies?
Arizona security companies must be licensed through the Arizona Department of Public Safety under the Arizona Revised Statutes. Armed guards require additional firearms certification. XINSURANCE works with properly licensed Arizona security operations to provide coverage that matches their specific authorization level and deployment type.
Does XINSURANCE cover resort and hospitality security in Arizona?
Yes. Scottsdale and Phoenix are home to major resort properties, entertainment venues, and hospitality operations that regularly employ security staff. These environments carry specific liability exposures including guest incident claims, special event liability, and A&B coverage. We can structure policies that address the full liability profile of hospitality security work.
Can a Phoenix security company get covered after a prior claim?
Yes. A prior claim doesn’t automatically disqualify you with XINSURANCE. We evaluate the nature of the claim, your response to it, training improvements made afterward, and your current risk profile. Many Arizona security companies with claims history find that XINSURANCE is one of the few markets willing to write their account.
Do you provide coverage for armed security guards in Arizona?
Yes. Armed coverage, including firearms liability, armed guard operations, and executive protection, is available for Arizona security businesses that meet state licensing requirements. We can include armed-specific coverages that standard carriers typically exclude.
What is assault and battery liability and why do Arizona security companies need it?
A&B coverage protects your business when a claim alleges that one of your guards caused physical harm to a third party during the course of their duties. In Arizona, where security companies work everything from nightclub doors to retail loss prevention, A&B claims are among the most common exposures. Most standard policies exclude it. XINSURANCE includes it.
Keep Doing What You Love With the Protection You Need
Arizona security companies deserve coverage that reflects the real work, not a policy full of exclusions that leaves you exposed the moment a use-of-force claim lands. Whether you’re providing patrol services in Mesa or executive protection in Scottsdale, XINSURANCE builds a solution around your specific operation. Request a quote and let’s get started.
Request a quote online from XINSURANCE.