Security Business Insurance Solutions in North Carolina
Liability coverage for North Carolina security companies serving financial, healthcare, and entertainment environments.
Get Your Customized QuoteNorth Carolina security companies are growing alongside the state's booming economy, and need coverage that reflects the liability exposure that growth creates.
From corporate and financial campus security in Charlotte to university and research triangle security in Raleigh, Durham, and Chapel Hill and entertainment venue operations in Greensboro and Winston-Salem, North Carolina security professionals face A&B claims, professional liability exposure, and use-of-force incidents that standard policies consistently exclude.
North Carolina Security Insurance for a Rapidly Growing Market
North Carolina’s security market is expanding rapidly alongside the state’s population and economic growth. Charlotte’s banking and financial sector, the Research Triangle’s technology and biotech industries, Raleigh’s government and university environments, and Greensboro’s distribution and logistics corridor all create demand for security services with distinct liability profiles. Standard commercial insurance consistently underserves these markets.
XINSURANCE reviews your specific North Carolina operation, your client base, deployment environments, and contract requirements, and builds a policy that covers A&B claims, armed guard operations, and professional liability without the exclusions that standard carriers apply to North Carolina security accounts.
We serve security businesses throughout North Carolina, including companies based in Charlotte, Raleigh, Greensboro, Durham, Winston-Salem, and Fayetteville.
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 North Carolina
What licensing does North Carolina require for security companies?
North Carolina security companies must be licensed through the North Carolina Private Protective Services Board. Individual security guards must be registered and meet training requirements, with additional requirements for armed guards. XINSURANCE works with licensed North Carolina security operations to provide appropriate coverage.
Does XINSURANCE cover security companies working Charlotte's financial district?
Yes. Corporate and financial campus security in Charlotte often requires contractors to carry high limits and specific professional liability coverage. XINSURANCE can review your financial client contracts and build a policy that meets those requirements.
Can North Carolina security companies get assault and battery coverage?
Yes. A&B coverage is available for North Carolina security businesses. Standard policies typically exclude it, but XINSURANCE includes A&B as a core policy component, which is important for security operations in Charlotte’s NoDa and South End entertainment districts, Raleigh’s Glenwood South corridor, and other high-activity venues statewide.
Does XINSURANCE cover security companies serving North Carolina's Research Triangle?
Yes. Biotech and technology campus security in the Research Triangle requires professional liability and often specific contract compliance. XINSURANCE can build policies for security companies working in academic and research environments in Raleigh, Durham, and Chapel Hill.
Does XINSURANCE cover armed security operations in North Carolina?
Yes. Armed guard coverage is available for North Carolina security businesses that hold PPSB licensing and meet state firearms requirements. XINSURANCE builds armed coverage into the policy rather than excluding it.
Keep Doing What You Love With the Protection You Need
North Carolina security companies working in financial, tech, and entertainment environments deserve coverage built around their real risk exposure. XINSURANCE builds real policies for North Carolina security operations. Get a quote and let’s find the right coverage for your business.
Request a quote online from XINSURANCE.