Security Business Insurance Solutions in Minnesota
Liability coverage for Minnesota security companies serving corporate, healthcare, and urban entertainment environments.
Get Your Customized QuoteMinnesota security companies need coverage that reflects the Twin Cities' major corporate and healthcare base alongside the state's growing commercial security market.
From corporate campus security in Minneapolis and St. Paul to healthcare system protection and event security at major Minnesota venues, security professionals across the state face liability exposures that standard commercial policies consistently leave uncovered. XINSURANCE builds coverage for Minnesota’s actual security market.
Minnesota Security Insurance for Corporate, Healthcare, and Event Markets
Minnesota is home to a significant concentration of Fortune 500 corporate headquarters, major healthcare systems, and one of the most active sports and entertainment venue markets in the Midwest. Security companies serving these clients, from Mall of America’s massive security operation in Bloomington to hospital campuses across the Twin Cities and major event venues in Minneapolis, carry liability exposure that standard commercial insurance consistently underserves.
XINSURANCE reviews your specific operation, your client base, deployment environments, training standards, and contract requirements, and builds a policy that covers professional liability, A&B claims, armed guard operations, and use-of-force incidents without the blanket exclusions standard carriers apply to Minnesota security accounts.
We serve security businesses throughout Minnesota, including companies based in Minneapolis, Saint Paul, Rochester, Duluth, Bloomington, and Brooklyn Park.
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 Minnesota
What licensing does Minnesota require for security companies?
Minnesota security companies must be licensed through the Minnesota Department of Public Safety. Individual security officers must be licensed and meet training requirements, with additional requirements for armed guards. XINSURANCE works with licensed Minnesota security operations to provide coverage aligned with their authorization.
Does XINSURANCE cover security companies at Minnesota's major event venues?
Yes. Event security at U.S. Bank Stadium, Target Center, Target Field, and other major Minnesota venues requires special events liability and A&B coverage. XINSURANCE can build policies for security companies that regularly work large venue and event contracts in the Twin Cities.
Can Minnesota security companies get assault and battery coverage?
Yes. A&B coverage is available for Minnesota security businesses. Standard policies typically exclude it, but XINSURANCE includes A&B as a core policy component, which matters for security operations in Minneapolis’s entertainment districts, downtown St. Paul, and retail environments statewide.
Does XINSURANCE cover security companies serving Minnesota healthcare systems?
Yes. Healthcare security in Minnesota, including hospital campuses in the Twin Cities, Rochester, and Duluth, requires professional liability and often high minimum limits. XINSURANCE can review your healthcare client contracts and build a policy that meets those requirements.
What coverage do Minnesota security companies need for armed operations?
Armed security in Minnesota requires policies that don’t exclude firearms liability and use-of-force claims. XINSURANCE builds armed coverage into the policy for Minnesota security businesses that meet state licensing requirements, including coverage for executive protection and armed corporate security work.
Keep Doing What You Love With the Protection You Need
Minnesota security companies working in corporate, healthcare, and entertainment environments need coverage that satisfies demanding institutional requirements while also protecting against real operational liability. XINSURANCE builds both. Get a quote and let’s put together the right policy for your Minnesota security operation.
Request a quote online from XINSURANCE.