Security Business Insurance Solutions in Florida
Liability coverage for Florida security companies operating in hospitality, entertainment, and commercial environments.
Get Your Customized QuoteFlorida's security industry spans some of the most high-liability environments in the country, and standard insurance consistently falls short.
From nightclub and resort security in Miami to theme park and event operations in Orlando, from port security in Jacksonville to commercial patrol in Tampa and St. Petersburg, Florida security professionals face assault allegations, wrongful detention claims, and use-of-force incidents that most standard insurers exclude. XINSURANCE writes coverage for those exact scenarios.
Florida Security Insurance for High-Liability Environments
Florida hosts millions of tourists, operates some of the largest entertainment venues in the world, and runs a hospitality sector that requires security staff at nearly every property. Miami’s nightlife, Orlando’s theme parks and convention centers, Jacksonville’s port operations, and Tampa’s sports and entertainment venues all create environments where security incidents are frequent and liability claims can be substantial.
Standard commercial liability policies in Florida frequently exclude assault and battery claims, armed guard operations, and wrongful detention scenarios, exactly the exposures Florida security companies face most often. XINSURANCE reviews each account individually, looking at the environments you work in, your training standards, and your contracts to build a policy without those exclusions.
We serve security businesses throughout Florida, including companies based in Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, and St. Petersburg. High-risk accounts, armed operations, and businesses with prior claims 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 Florida
What licensing does Florida require for security companies?
Florida security companies must be licensed through the Florida Department of Agriculture and Consumer Services Division of Licensing. Individual security officers must hold a Class D license, and armed security officers require a Class G license. XINSURANCE works with properly licensed Florida security operations to provide coverage that aligns with their licensing level and deployment.
Does XINSURANCE cover nightclub and bar security companies in Florida?
Yes. Nightlife security in Miami, Fort Lauderdale, Tampa, and Orlando carries some of the highest A&B exposure in the country. Standard policies typically exclude these claims entirely. XINSURANCE includes assault and battery coverage as a core component of its security policies, not an exclusion. If you work in Florida’s nightlife sector, A&B coverage isn’t optional, it’s essential.
Can Florida security companies get coverage for theme park and large venue event work?
Yes. Event and venue security in Florida, particularly in the Orlando area, requires special events liability, A&B coverage, and often high per-occurrence limits. XINSURANCE can structure policies for security companies that work large venues and events, covering both the ongoing operational exposure and specific event contracts.
Why do Florida security companies get dropped by standard insurers?
Florida’s litigation environment is among the most active in the country. Standard carriers frequently non-renew or decline Florida security accounts after a single A&B claim or due to the environments where guards are deployed. XINSURANCE specializes in these accounts, evaluating each one on its own merits rather than applying blanket state-level exclusions.
Does XINSURANCE cover armed security operations in Florida?
Yes. Armed security coverage, including Class G licensed operations, executive protection, and armed patrol, is available for Florida security businesses. We build policies that cover armed operations rather than excluding them, which is a critical distinction for Florida security companies working in high-risk environments.
Keep Doing What You Love With the Protection You Need
Florida security companies working in hospitality, entertainment, and commercial environments need coverage that addresses the real incidents that happen in those settings, not a policy that excludes A&B claims, armed operations, and use-of-force scenarios after the fact. XINSURANCE builds real coverage for Florida’s real security landscape. Get a quote today.
Request a quote online from XINSURANCE.