Security Business Insurance Solutions in Maryland
Liability coverage for Maryland security companies serving federal, corporate, and urban environments.
Get Your Customized QuoteMaryland security companies operate near major federal facilities, dense urban markets, and high-profile corporate campuses, all of which require specialized liability coverage.
Security companies working federal contractor facilities in the Maryland suburbs, corporate campuses in Rockville and Gaithersburg, and commercial properties in Baltimore face specific liability exposures, clearance-level access control, use-of-force incidents, and professional liability, that standard commercial insurance regularly can’t address.
Maryland Security Insurance for Federal, Corporate, and Urban Markets
Maryland’s security market is among the most complex in the country. The DC suburbs, Rockville, Gaithersburg, Bowie, and Bethesda, are home to federal contractors, technology companies, and government-adjacent operations that require contract security with high limits and specific coverage types. Baltimore’s urban commercial and entertainment market creates a different set of challenges, including A&B exposure in nightlife environments and retail security claims.
XINSURANCE works with Maryland security companies to understand their full client base and coverage needs. Whether your operation requires government contract compliance, armed guard coverage, or professional liability for institutional security services, we build the policy around your actual exposure, not a standard form with federal contractor exclusions or A&B carve-outs.
We serve security businesses throughout Maryland, including companies based in Baltimore, Rockville, Frederick, Gaithersburg, Bowie, and Annapolis.
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 Maryland
What licensing does Maryland require for security companies?
Maryland security companies must be licensed through the Maryland State Police Licensing Division. Individual security guards must be licensed and trained, with additional requirements for armed personnel. XINSURANCE works with licensed Maryland security operations to provide coverage that aligns with their authorization and services.
Does XINSURANCE cover security companies working Maryland federal contractor facilities?
Yes. Security operations at federal contractor and government-adjacent facilities in the Maryland suburbs require specific coverage types, often including high minimum limits and professional liability. XINSURANCE can review your government contracts and build a policy that satisfies those requirements.
Can Baltimore security companies get assault and battery coverage?
Yes. A&B coverage is critical for Baltimore security companies working in entertainment, retail, and nightlife environments. XINSURANCE includes A&B as a core policy component rather than an exclusion, which matters significantly for security operations in Baltimore’s Inner Harbor, Federal Hill, and other commercial districts.
Does XINSURANCE cover armed security operations in Maryland?
Yes. Armed security coverage is available for Maryland security businesses that meet state licensing requirements. This includes armed corporate security, executive protection, and armed patrol operations at sensitive facilities.
What professional liability coverage do Maryland security companies need?
Professional liability is particularly important for Maryland security companies working under formal contracts with government, corporate, or institutional clients. It covers claims that your company failed to perform its security duties properly and is often required by government-adjacent contracts in the Maryland market.
Keep Doing What You Love With the Protection You Need
Maryland security companies working in federal, corporate, and urban environments need coverage that meets demanding client requirements while also protecting against real operational liability. XINSURANCE builds both. Get a quote and let’s put together the right policy for your Maryland security operation.
Request a quote online from XINSURANCE.