Security Business Insurance Solutions in California
Liability coverage for California security companies navigating BSIS requirements and complex urban risk environments.
Get Your Customized QuoteCalifornia's security industry operates under some of the strictest licensing requirements in the country, and some of the highest liability exposure.
From the entertainment district security operations in Los Angeles to the tech campus patrol services in the Bay Area and the hospitality security market in San Diego, California security professionals face a liability environment that most standard insurers won’t fully underwrite. XINSURANCE builds policies that match California’s real risk landscape.
California Security Insurance for a Complex Market
California is home to one of the largest security industries in the United States. The sheer scale of operations, covering entertainment venues, technology campuses, financial institutions, retail environments, and residential communities across Los Angeles, San Francisco, San Diego, Sacramento, Oakland, and Riverside, creates a liability profile that standard commercial insurance consistently underserves.
California security companies must be licensed through BSIS, and armed guards must meet additional Bureau of Security and Investigative Services requirements. Contracts with California clients, particularly government agencies, universities, and major corporate campuses, frequently demand specific coverage types and high minimum limits. XINSURANCE reviews your contracts and licensing status and builds a policy that satisfies both client requirements and your actual operational exposure.
Assault and battery exclusions, wrongful detention claims, and use-of-force incidents are the most common sources of uncovered losses for California security companies. XINSURANCE specifically addresses these gaps. If you’ve been declined by a standard carrier or are carrying a policy that excludes the risks you face most, we’re ready to write a better solution.
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 California
What are California's BSIS requirements for security companies?
The California Bureau of Security and Investigative Services requires all security guard companies to hold a Patrol Operator license. Individual guards must be registered with BSIS, complete a Powers to Arrest course, and meet background check requirements. Armed guards must complete additional training and qualification. XINSURANCE works with BSIS-licensed operations to provide coverage that aligns with their licensing level and the types of work they’re authorized to perform.
Does XINSURANCE cover armed security guards working in California?
Yes. Armed guard coverage is available for California security businesses that hold the appropriate BSIS licensing and firearms qualification. Standard carriers frequently exclude armed operations entirely. XINSURANCE can build a policy that covers armed guard liability, firearms incidents, and executive protection work for properly licensed California operators.
Why do California security companies get dropped by standard insurers?
Standard carriers often decline or non-renew California security accounts due to the state’s litigation environment, prior A&B claims, or the specific environments where guards are deployed, bars, nightclubs, entertainment venues, or confrontational retail loss prevention settings. XINSURANCE specializes in exactly these accounts, evaluating each one individually rather than applying blanket exclusions.
What assault and battery exposure do California security companies face?
California’s plaintiff-friendly legal environment makes A&B claims particularly costly. A claim alleging that a guard used excessive force, even if the guard was acting within their training and contract, can result in significant legal fees and settlement costs. XINSURANCE includes A&B coverage in its security policies rather than excluding it, giving California operators real protection when these claims arise.
Can California security companies get coverage for tech campus and corporate security operations?
Yes. Technology campuses, financial institutions, and corporate headquarters in the Bay Area and Los Angeles frequently require security contractors to carry high liability limits and specific coverage types. XINSURANCE can review your client contracts and build a policy that meets those requirements while also covering the real-world liability your team faces on the ground.
Keep Doing What You Love With the Protection You Need
California security companies operate in one of the most demanding liability environments in the country. XINSURANCE builds coverage that matches that reality, addressing the BSIS compliance requirements your clients expect, the armed coverage standard policies exclude, and the A&B exposure that comes with working in California’s high-density urban environments. Get a quote and let’s build the right policy for your operation.
Request a quote online from XINSURANCE.