Security Business Insurance Solutions in Louisiana
Liability coverage for Louisiana security companies operating in entertainment, energy, and maritime environments.
Get Your Customized QuoteLouisiana's security industry spans some of the highest-liability environments in the country, and standard policies consistently fail to cover them.
From French Quarter and Bourbon Street security operations in New Orleans to energy facility security along the Gulf Coast and port security in Louisiana’s maritime industry, security professionals across the state face assault claims, wrongful detention allegations, and specialized liability exposures that most standard commercial policies exclude outright.
Louisiana Security Insurance for Entertainment, Energy, and Maritime Markets
Louisiana presents a unique security market. New Orleans’s entertainment district generates some of the highest A&B exposure in the country for security companies working Bourbon Street, the French Quarter, and the city’s dense nightlife corridor. At the same time, Louisiana’s energy sector, oil refineries, chemical plants, and offshore support facilities, requires armed and unarmed security with a completely different liability profile.
Standard commercial policies frequently exclude both of these environments. XINSURANCE approaches each Louisiana security account individually, looking at the specific environments where your team operates, your training records, your client contracts, and your claims history to build a policy that actually covers your real exposure.
We serve security businesses throughout Louisiana, including companies based in New Orleans, Baton Rouge, Shreveport, Lafayette, Lake Charles, and Kenner.
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 Louisiana
What licensing does Louisiana require for security companies?
Louisiana security companies must be licensed through the Louisiana State Board of Private Security Examiners. Individual guards must be licensed, and armed guards must meet additional firearms training and qualification requirements. XINSURANCE works with licensed Louisiana security operations to provide coverage appropriate to their authorization level.
Does XINSURANCE cover Bourbon Street and French Quarter security companies in New Orleans?
Yes. New Orleans nightlife security carries among the highest A&B exposure of any security environment in the country. XINSURANCE specifically includes assault and battery coverage as a core policy component for Louisiana security companies, not an exclusion that gets applied after the fact when a claim comes in from a Bourbon Street incident.
Can Louisiana security companies get coverage for energy and petrochemical facility work?
Yes. Security operations at oil refineries, chemical plants, and energy infrastructure along the Gulf Coast carry specific liability profiles including armed operations, access control in restricted environments, and incident response. XINSURANCE builds policies for Louisiana security companies working in the energy sector.
Why do New Orleans security companies struggle with standard insurance?
Louisiana’s legal environment, particularly in New Orleans, is among the most plaintiff-friendly in the country. Standard carriers frequently decline or non-renew security accounts operating in the French Quarter and surrounding entertainment districts due to the frequency and size of A&B claims. XINSURANCE specializes in exactly these accounts.
Does XINSURANCE cover maritime and port security operations in Louisiana?
Yes. Port security and maritime facility protection in Louisiana’s Gulf Coast ports requires specific coverage for access control, armed operations, and maritime-adjacent liability. XINSURANCE can work with Louisiana security companies operating in port and maritime environments to build appropriate coverage.
Keep Doing What You Love With the Protection You Need
Louisiana security companies working in entertainment districts, energy facilities, or maritime environments face liability exposure that standard policies weren’t designed to cover. XINSURANCE builds real coverage for Louisiana’s demanding security market. Fill out a quote form and let’s find the right solution for your operation.
Request a quote online from XINSURANCE.