Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 2 named markets · read 2026-10-28

Who insures Bouncers and event security?

Bouncers and event security is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

2 markets publicly write Bouncers and event security: Prime Insurance Company, XINSURANCE. 1 E&S carrier, 1 wholesaler. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Prime Insurance Company
E&S carrier		Liability coverage for event guards alongside armed/unarmed and executive guards and any security service; Prime's bar and restaurant page separately covers staff including bouncers with alleged assault and battery liability.
“Event Guards”		not statedSurplus linesprimeis.com · read 2026-10-28
XINSURANCE
Wholesaler		Security liability for companies offering patrol services, event security or executive protection, with special events liability for private and public events; its bars/nightclubs program includes coverage for in-house (including armed) security guards.
“Whether your company offers patrol services, event security, or executive protection”		not statednot statedxinsurance.com · read 2026-10-28

Only 2 verified. Brownyard, Mechanic Group, Kinsale (security services and entertainment), PHLY, K&K events program, USLI special events and Prime special events pages do not name event security or bouncers as a class. Supporting pages fetched: Prime bar & restaurant page ('bouncer-induced injuries' and staff including bouncers) and XINSURANCE bars/taverns/clubs page ('coverage for security guards').

How Bouncers and event security gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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