Alarm Services Insurance
Liability Insurance for Alarm and Monitoring Services
SIREN® alarm insurance provides specialized liability insurance for alarm installation and monitoring service firms.
Who We Insure:
- Alarm Installation
- Security System Installation
- CCTV Installation
- Alarm System Monitoring
- Security System Monitoring
- CCTV Monitoring
Why Choose
Alarm and monitoring firms face exposures beyond standard policies. SIREN provides brokers with specialized coverage that helps close gaps and protect accounts.
Core Coverages Include:
- Errors & Omissions (Professional Liability)
- Assault & Battery
- Broad Form Property Damage
- Personal Injury
- Lost Key Coverage
- Incidental Medical Malpractice
- False Arrest
- Invasion of Privacy
- Malicious Prosecution
- Limited Theft Coverage
- Electronic Data Liability
- Libel & Slander
Commercial Excess Liability coverage can be tailored to meet your specific needs and exposures. In general, these products are:
- Licensed and admitted in most states
- Available with limits up to $5,000,000 to protect against that once-in-a-lifetime judgment
The Brownyard Business Auto Program is designed especially for our General Liability clients in the Alarm Services industry and 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
- Available in all US states except AK, FL, MA, NE & WA
- Admitted in all states where offered
For our General Liability clients, our Commercial Property product provides coverage for:
- Building and Business Personal Property coverage
- Business Income and Extra Expense coverage
- Tenant Glass and Sign coverage
The Inland Marine Program is designed to offer Mobile Property and Electronic Data Processing (EDP) coverage to our General Liability clients.
- Written with a highly rated carrier
- Competitively priced
- Available in all US states
Third Party Employee Dishonesty is offered to protect against service contractor employees who perpetrate dishonest acts against their customers.
- Unique coverage not usually offered by many general liability/standard fidelity bonds
- Admitted coverage available in all states
- Highly rated carrier
- Various limit and deductible options
- Separate limit available by endorsement for individual contract(s)
- 1st party coverage can be included (as a add-on)
Ready to Apply?
Submit completed applications to info@brownyard.com
Questions?
Call Maggie Hammarth at 631-666-5050 ext. 149 for more information about this program
Commercial Property – Requires ACORD forms 125 & 140
Inland Marine – Requires ACORD forms 125, 146 (Equipment Floater Section) & 148 (Electronic Data Processing Section)
Eligibility Map
Key:
- Eligible States
- Ineligible States
FAQs - Questions About Alarm Services Insurance
- For General Liability and Commercial Excess: Completed, signed Siren application
- For Auto and Third Party Dishonesty: Completed, signed Brownyard application
- For Auto, Property and Inland Marine: Completed, signed ACORD applications
- Five-year loss run information
- Detailed Resume (for clients with fewer than three years experience in the industry)
- We will require the original, signed application to bind coverage
There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We simply require them to submit the following documents to info@brownyard.com:
- W-9 Form
- Agency/Broker License
- Proof of Errors & Omissions (E&O) Insurance – Certificate or Dec Page
- Proof of Fidelity (Crime) Insurance – Certificate or Dec Page
SIREN® alarm services insurance is available in all states except Nebraska.
We can provide limits as high as $6,000,000.
Yes, our policies are subject to minimum premiums as follows:
- $2,500 minimum premium ($300,000 limit)
- $3,000 minimum premium ($500,000 limit)
- $3,500 minimum premium ($1 mil limit)
Yes, Business Auto is available in all states except AK, FL, MA, NE & WA. Call our office for details.
Yes. See our Siren Core Coverages section for more details.
We only write our program through the very best carriers that have financial ratings of A+ (“Superior”) or better.
Our SIREN insurance for alarm installation and monitoring services program is available on an admitted basis in most states.
The coverage we offer through our program is not only very broad, but very reasonably priced.
No, we value the relationship between you and your insurance representative and encourage you to stay with a local broker for the best possible service.