Security Business Insurance Solutions in Colorado
Tailored liability coverage for Colorado security companies, patrol services, and private investigators.
Get Your Customized QuoteColorado security companies need coverage that reflects the state's diverse risk environments, from mountain resort security to urban commercial patrol.
From the entertainment venues of Denver’s LoDo district to ski resort security in the mountain communities and corporate campus protection in the tech corridor along the Front Range, Colorado security professionals face liability exposures that standard policies routinely exclude. XINSURANCE writes the policies others won’t.
Colorado Security Insurance for a Diverse Operating Environment
Colorado’s security market is as varied as its geography. In Denver, Aurora, and Lakewood, security companies serve commercial properties, healthcare systems, and entertainment districts with high foot traffic and elevated A&B exposure. In Boulder and Fort Collins, campus and corporate security operations need professional liability coverage and clean contract compliance. In Colorado’s mountain communities, resort security brings special event liability, guest incident claims, and unique armed coverage needs.
Standard commercial liability forms typically exclude the scenarios Colorado security companies face most, use-of-force incidents, assault allegations, armed guard operations, and wrongful detention claims. XINSURANCE reviews your specific deployment, your training standards, and your client contracts to build a policy that covers your actual exposure without those exclusions.
We work with security businesses throughout Colorado, including companies operating in Denver, Colorado Springs, Aurora, Fort Collins, Lakewood, and Boulder. Accounts with prior claims, armed operations, and businesses previously declined by standard carriers are 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
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 Colorado
What licensing does Colorado require for security companies?
Colorado requires private security guards to hold a license issued by the Colorado Department of Regulatory Agencies (DORA). Armed security personnel must meet additional requirements including firearms training and background checks. XINSURANCE works with properly licensed Colorado security operations to ensure their coverage aligns with their authorization level.
Does XINSURANCE cover event security companies in Colorado?
Yes. Event security is a major segment of Colorado’s security industry, covering ski resort events, music festivals, sporting events, and corporate gatherings. Event security typically requires special events liability in addition to general A&B coverage. We can structure policies that cover both ongoing operations and specific event contracts.
Can a Colorado security company with past claims still get coverage?
Yes. Past claims don’t automatically disqualify an account with XINSURANCE. We look at the nature of the claim, how your company responded, what training improvements were made, and your current operational profile. Many Colorado security companies with claims history find XINSURANCE willing to write coverage when others won’t.
Do you provide assault and battery coverage for Colorado nightlife security?
Yes. Nightclub, bar, and entertainment venue security in Denver, Boulder, and Colorado Springs carries significant A&B exposure. Most standard policies exclude it. XINSURANCE can include A&B coverage as a core part of your policy rather than an afterthought, giving you real protection when use-of-force allegations arise.
What coverage do Colorado security companies need for cannabis facility work?
Cannabis facilities in Colorado are a growing security market. These facilities often require armed security and carry specific compliance requirements. XINSURANCE can work with security companies serving the cannabis industry to build coverage that addresses the unique liability profile of this environment.
Keep Doing What You Love With the Protection You Need
Colorado security companies deal with real liability exposure every day, from Denver nightclub incidents to mountain resort guest claims. XINSURANCE builds policies that cover those realities instead of excluding them. Tell us how your operation works and we’ll put together coverage that makes sense for your Colorado security business.
Request a quote online from XINSURANCE.