From what I could tell with my wife's XD9, it has all the safeties a glock has plus the grip safety.

I.e. darn near impossible to fire without holding it and pulling the trigger.

A glock can handle all this and not go off, I imagine the XD could handle that. No clue if the finish on the XD is as good, though, so I don't think I'd shoot it with a .22 or drag it behind a vehicle.