Security Business Insurance Solutions in Hawaii
Specialized liability coverage for Hawaii security companies serving resort, hospitality, and commercial environments.
Get Your Customized QuoteHawaii's tourism-driven economy creates unique liability exposures for security companies that standard policies rarely address properly.
Security companies protecting resort properties in Honolulu, commercial operations in Pearl City, and entertainment venues across Oahu and the neighbor islands face liability scenarios, guest incident claims, A&B allegations, and special event exposure, that most standard insurers either exclude or price out of reach. XINSURANCE builds coverage that works for Hawaii’s actual security environment.
Hawaii Security Insurance for Resort and Commercial Operations
Hawaii’s economy is built on tourism, and its security industry reflects that. Resort security in Honolulu and Waikiki, entertainment venue security across Oahu, and commercial property patrol throughout the islands all involve environments where guest interactions are frequent, liability exposure is high, and the consequences of an incident, both legally and reputationally, are significant.
Standard commercial liability policies often fall short in these environments. Assault and battery exclusions, limited special events coverage, and general liability forms that weren’t designed for hospitality security leave Hawaii security companies exposed. XINSURANCE builds policies that specifically address the liability profile of resort, hotel, and commercial security work in Hawaii.
We serve security businesses throughout Hawaii, including companies based in Honolulu, Pearl City, Hilo, Kailua, Waipahu, and Kaneohe.
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 Hawaii
What licensing does Hawaii require for security companies?
Hawaii requires security guard companies and individual guards to be licensed through the Hawaii Department of Commerce and Consumer Affairs. Armed guards must meet additional requirements. XINSURANCE works with properly licensed Hawaii security operations to provide coverage that matches their authorization level and operating environment.
Does XINSURANCE cover resort and hotel security in Hawaii?
Yes. Resort and hotel security is the dominant segment of Hawaii’s security market. These environments carry significant guest incident liability, A&B exposure, and special event claims. XINSURANCE builds policies specifically for hospitality security operations, including the coverage types that resort clients typically require in their vendor contracts.
Why do Hawaii security companies need special events liability?
Hawaii hosts major corporate events, destination weddings, cultural festivals, and outdoor concerts throughout the year. Event security carries specific liability exposure including guest injuries, property damage, and crowd management incidents. XINSURANCE can include special events liability as part of a broader security policy or as a standalone event coverage.
Can Hawaii security companies get assault and battery coverage?
Yes. A&B coverage is available for Hawaii security businesses and is particularly important for those working in nightlife, resort, and entertainment environments. XINSURANCE includes A&B as a core policy component rather than treating it as an exclusion.
Does XINSURANCE cover security operations on Hawaii's neighbor islands?
Yes. We can cover security operations on Oahu, Maui, the Big Island, Kauai, and other islands. Geographic spread across the Hawaiian Islands doesn’t disqualify an account, we look at the nature of the operation and the environments where guards are deployed.
Keep Doing What You Love With the Protection You Need
Hawaii security companies working in resort and hospitality environments carry liability exposure that most standard policies weren’t designed to cover. XINSURANCE builds coverage that fits Hawaii’s unique security market, including A&B, special events, and guest incident liability. Get a quote and we’ll show you what proper coverage looks like for your operation.
Request a quote online from XINSURANCE.