Security Business Insurance Solutions in Texas
Liability coverage for Texas security companies operating in one of the largest and most diverse security markets in the country.
Get Your Customized QuoteTexas security companies face a vast and varied liability landscape, from Houston's energy sector to Dallas's corporate market, Austin's entertainment district, and San Antonio's military and tourism environment.
Security professionals across Texas encounter A&B claims, use-of-force incidents, armed operation requirements, and professional liability exposure that standard commercial policies consistently exclude. XINSURANCE builds coverage for Texas’s real security landscape, across all markets and all regions.
Texas Security Insurance for the Nation's Largest Security Market
Texas security companies operate across a massive and diverse market. Houston’s energy sector creates demand for armed and unarmed security at petrochemical facilities, refineries, and corporate campuses. Dallas and Fort Worth’s corporate and financial corridors require contract security with high professional liability requirements. Austin’s entertainment district, particularly 6th Street, generates significant A&B exposure. San Antonio’s military installations, tourism industry, and healthcare campuses each add their own distinct liability profiles.
XINSURANCE reviews each Texas security account individually, looking at your specific client base, deployment environments, contract requirements, and training standards, and builds a policy that covers your actual exposure. We don’t apply blanket exclusions for A&B claims, armed operations, or use-of-force incidents. We build coverage around those realities for Texas security companies operating in Houston, Dallas, San Antonio, Austin, Fort Worth, El Paso, and across the state.
Texas Department of Public Safety licensing requirements, contract mandates from Texas energy clients, and armed coverage for high-risk environments are all areas where XINSURANCE regularly writes the policies that others won’t.
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
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Specify Your Needs
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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 Texas
What licensing does Texas require for security companies?
Texas security companies and their employees must be licensed through the Texas Department of Public Safety Private Security Bureau. Level II (unarmed) and Level III (armed) security officer licenses have distinct training and background check requirements. XINSURANCE works with properly licensed Texas security operations to ensure their coverage aligns with their authorization level and deployment type.
Does XINSURANCE cover Austin 6th Street and entertainment district security companies?
Yes. Entertainment district security in Austin, Dallas’s Deep Ellum, Houston’s Midtown, and San Antonio’s River Walk carries significant A&B exposure. XINSURANCE includes assault and battery coverage as a core policy component for Texas security companies, not an exclusion that leaves you uncovered when a use-of-force claim comes in from a Texas entertainment venue.
Can Texas security companies get coverage for armed operations at energy facilities?
Yes. Armed security at Houston’s petrochemical facilities, pipeline infrastructure, and energy company campuses requires coverage that addresses firearms liability, use-of-force incidents, and access control in restricted environments. XINSURANCE builds armed coverage into the policy for Texas energy security operations.
Why do Texas security companies struggle with standard insurance?
Texas’s combination of high volume, diverse environments, and a plaintiff-friendly legal climate in some jurisdictions makes standard carriers cautious. Add in armed operations, energy facility requirements, and A&B exposure in major entertainment districts, and many Texas security companies find that standard policies either exclude their biggest risks or price coverage out of reach. XINSURANCE evaluates each Texas account individually and builds coverage for the actual operation.
Does XINSURANCE cover security companies working Texas military installations and government facilities?
Yes. Security operations at military bases, government facilities, and defense contractor campuses in San Antonio, Fort Worth, and across Texas often require specific coverage types, high minimum limits, and professional liability. XINSURANCE can review your government and military contracts and build a policy that satisfies those requirements.
Keep Doing What You Love With the Protection You Need
Texas security companies working in energy, corporate, entertainment, and military-adjacent environments need coverage built for Texas’s specific and demanding security market. XINSURANCE builds real policies for Texas security operations of every size and type. Request a quote and let’s put together the right coverage for your business.
Request a quote online from XINSURANCE.