Alarm Services

SIREN alarm insurance provides specialized liability insurance for alarm and monitoring service firms. In fact, Brownyard’s SIREN alarm services program is one of the only admitted markets in the country. SIREN is written with highly rated, admitted insurance carriers at highly competitive premium rates.

Brownyard’s exclusive broker for the SIREN program is Tanty Risk Management Services (TRMS), which has provided dedicated underwriting expertise, risk management advice and contract negotiation for the burglar and fire alarm industry for more than 35 years. In New York, TRMS and Select Insurance Agency serve as co-brokers for SIREN. Contact George Tanty directly at (505) 995-8686.

Overview

Liability insurance for the alarm and monitoring service industry.

Eligible Classes:

  • Alarm/Security System Installation and Monitoring Firms
  • CCTV Installation & Monitoring Firms

Incidental exposures covered include:

  • Lock & safe
  • Intercom systems
  • Central vacuum and portable fire extinguisher sales and service

Coverages

As one of the only admitted markets for alarm services, Brownyard’s SIREN program provides comprehensive coverage and outstanding service for alarm/security system and CCTV firms. With the right combination of industry knowledge and underwriting excellence, our program includes exactly the coverage this industry needs. Call 1-800-645-5820 for more information about these coverages.

  • Assault & Battery
  • Broad Form Property Damage
  • Errors & Omissions (professional liability)
  • Personal Injury
  • Lost Key Coverage
  • Incidental Medical Malpractice
  • False Arrest
  • Invasion of Privacy
  • Malicious Prosecution
  • Limited Theft Coverage
  • Electronic Data Liability

Commercial Excess and Umbrella Liability

Commercial Excess and Umbrella Liability coverage can be tailored to meet your specific needs and exposures. In general, this program is:
  • Licensed and admitted in most states.
  • Available with limits up to $5,000,000 to protect against that once-in-a-lifetime judgment.

Business Auto

The Brownyard Business Auto product is designed especially for the Alarm industry. It is:

  • Available with Liability limits as low as state minimums and as high as $1,000,000 CSL.
  • Written with a highly rated carrier.
  • Competitively priced, with no minimum premium.
  • Available in all US states and territories, except Puerto Rico.
  • Admitted in all states.

To apply, ask your broker to mail, email or fax the completed auto ACORD application, MVRs and three-year loss runs as soon as you can. You do not need an Agency Agreement to write this coverage through our program. We can usually have a quote for you within a few days.

Third Party Employee Dishonesty

Brownyard Group offers coverage for third party employee dishonesty, which protects against service contractor employees who perpetrate dishonest acts against their customers — which many general liability policies or standard fidelity bonds cannot do.  A highly rated insurance company, as designated by A.M. Best, provides the coverage.  We can also provide first party dishonesty coverage if necessary.

Commercial Property

For our SIREN General Liability clients, the Commercial Property Program provides:

  • Building and Business Personal Property coverage.
  • Business Income and Extra Expense coverage.
  • The backing of a highly rated carrier.
  • Competitive premiums.

Coverage is available in most states.

Applications

To apply for SIREN coverage, please work with our exclusive broker, Tanty Risk Management Services (TRMS). Contact George Tanty directly at (505) 995-8686.

 
NameFormatDownload
Siren General Liability Application Download
Brownyard Commercial Excess & Umbrella Liability Application Download
Commercial Insurance Application (ACORD 125) Download
Business Auto Application (ACORD 127) Download
Commerical Property Application (ACORD 140) Download
Third Party Dishonesty Application Download
Vehicle Schedule (ACORD 129) Download
Brownyard Auto Application (also requires ACORD forms 125, 127, 129 and 137) Download

FAQs

Frequently Asked Questions for SIREN Alarm Services Insurance

How do we apply for coverage?
Just complete an application and submit it to our exclusive brokers. We can usually have a quote for you within a few days.

Are there minimum premiums?
Yes, our policies are subject to minimum premiums as follows:

  • $300,000. Limit, $1,000, minimum premium;
  • $500,000.Limit, $2,500.minimum premium;
  • $1,000,000.Limit, $3,500.minimum premium.

In what states is the coverage available?
Coverage is available in all states, except NE.

What information is required for a quote?

  • Completed, signed Brownyard application
  • Four-year loss information
  • Detailed Resume (for clients with fewer than three years experience in the industry)
  • Copy of Broker’s License and proof of Errors & Omissions Insurance
  • We will need the signed, original application to bind coverages, though no original signature is required to quote

What limits can you write?
We write limits of $300,000, $500,000 and $1,000,000, and recommend higher limits for the best protection.

What are your carriers’ ratings?
We only write our program through the very best carriers that have financial ratings of at least “Excellent” or better.

Is your Program admitted?
Our product is available on an admitted basis in most states.

Are your rates competitive?
The coverage we offer through our program is not only very broad, but very reasonably priced.

Can I get my Auto Coverage at Brownyard?
Yes, Business Auto is available in all US states and territories except Puerto Rico. Call our office for details.

Eligibility Map

SIREN is available in all states except Nebraska.