Security Business Insurance Solutions in Arkansas
Custom liability coverage for Arkansas security guard companies, patrol services, and investigators.
Get Your Customized QuoteArkansas security professionals face real liability exposure that most standard policies simply don't cover.
Whether your operation runs out of Little Rock, Fort Smith, or Fayetteville, Arkansas security companies routinely deal with use-of-force incidents, client contract requirements, and assault allegations that fall outside standard commercial liability forms. XINSURANCE is built for exactly those gaps.
Security Guard Insurance Designed for Arkansas Businesses
Arkansas’s security industry supports a wide range of environments, warehousing and distribution facilities in North Little Rock, healthcare campuses in Little Rock, university settings in Fayetteville, and industrial operations throughout the state. Each of these settings carries unique liability exposures that most standard insurers aren’t willing to underwrite without heavy exclusions.
XINSURANCE takes a different approach. We look at your specific operation, who you guard, how your personnel are trained, what your contracts require, and what your actual risk exposure looks like, and build a policy from the ground up. Armed operations, 1099 contractors, prior claims, and accounts that have been declined elsewhere are all areas where we regularly find solutions.
We serve security businesses throughout Arkansas, including firms operating in Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro, and North Little Rock.
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
We’ll schedule a call with you to consult on your needs, and collect more details
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 Arkansas
What does Arkansas require for security guard licensing?
Arkansas requires security guards to be licensed through the Arkansas Board of Private Investigators and Private Security Agencies. Armed guards must meet additional training and background check requirements. XINSURANCE works with licensed Arkansas security operations to provide coverage that aligns with their authorization and deployment type.
Can Arkansas security companies get assault and battery coverage?
Yes. A&B coverage is one of the most important, and most commonly excluded, coverages for Arkansas security businesses. Whether your guards work bar security in Fayetteville, retail loss prevention in Little Rock, or campus security in Jonesboro, A&B claims are a real exposure. XINSURANCE can include A&B as part of a custom policy.
Does XINSURANCE cover security companies that have been rejected by other insurers?
Yes. If you’ve been declined, non-renewed, or quoted at unaffordable rates because of your risk profile, claims history, or the nature of your work, XINSURANCE evaluates your account individually. We specialize in accounts the standard market won’t write.
What coverage do Arkansas security firms need for contract work?
Many Arkansas security contracts, particularly with government facilities, healthcare campuses, and industrial clients, require specific coverage types and minimum limits. XINSURANCE can review your contract requirements and build a policy that satisfies them while also covering the real-world liability your operation faces.
Do you provide individual coverage for Arkansas security contractors?
Yes. Independent security contractors working in Arkansas can get standalone policies through XINSURANCE. This is common for 1099 workers who need their own coverage rather than relying on a client or employer’s policy.
Keep Doing What You Love With the Protection You Need
Arkansas security companies need a policy that actually works when an incident happens, not one that excludes use-of-force claims, armed operations, or A&B allegations after the fact. XINSURANCE builds real coverage for real security work. Fill out a quote form and we’ll show you what tailored protection looks like for your Arkansas operation.
Request a quote online from XINSURANCE.