Liability Insurance for Alarm and Monitoring Services
SIREN® alarm insurance provides specialized liability insurance for alarm and monitoring service firms. Brownyard’s SIREN alarm services program is written with highly rated (Superior, A+), admitted insurance carriers at highly competitive premium rates, providing coverage for:
- Alarm Installation
- Security System Installation
- CCTV Installation
- Alarm System Monitoring
- Security System Monitoring
- CCTV Monitoring
Coverages
As one of the only admitted markets in the country 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 Maggie Hammarth at 1-800-645-5820 for more information about these coverages.
Brownyard’s SIREN Program offers customized coverage featuring:
General Liability
- Errors & Omissions (Professional Liability)
- Lock & safe
- Intercom systems
- Central vacuum and portable fire extinguisher sales and service
- 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
Commercial Excess Liability
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 $10,000,000 to protect against that once-in-a-lifetime judgment.
Business Auto
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
Commercial Property
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 & Sign coverage
Inland Marine
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 (Crime)
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
- 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)
- In-house Claims Handling
Applications
Please complete the appropriate applications and return them by email to info@brownyard.com or by fax at 631-666-5723.
Send completed form(s) to:
Brownyard Group
21 Maple Avenue
Bay Shore, NY 11706
Fax: 631-665-8086
Email: info@brownyard.com
Commercial Property – requires ACORD forms 125 & 140
Inland Marine – requires ACORD forms 125, 146 (Equipment Floater Section) & 148 (Electronic Data Processing Section)
FAQs
How do we apply for coverage?
Please ask your broker to mail, email or fax the completed required information as soon as you can. There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We can usually have a quote for you within a few days.
What information is required for a quote?
- For General Liability: Completed, signed Siren application
- For Commercial Excess, Auto and Third Party Dishonesty: Completed, signed Brownyard application
- For Auto, Property and Inland Marine: Completed, signed ACORD applications
- Four-year loss run information
- Detailed Resume (for clients with fewer than three years experience in the industry)
- Copy of Broker’s License, proof of Errors & Omissions Insurance and a W-9 Form
- We will need the signed, original application to bind coverages, though no original signature is required to quote
In what states is the coverage available?
Coverage is available in all states, except Alaska & Nebraska.
Are there minimum premiums?
Yes, our policies are subject to minimum premiums as follows:
- $300,000 limit: $2,500 minimum premium
- $500,000 limit: $3,000 minimum premium
- $1,000,000 limit: $3,500 minimum premium
Can I get my Business Auto Coverage at Brownyard?
Yes, Business Auto is available in all states except AK, FL, MA, NE & WA. Call our office for details.
Does Brownyard write Property & Inland Marine coverage?
Yes. See our Siren Coverages tab for more details.
What are your carrier’s ratings?
We only write our program through the very best carriers that have financial ratings of A+ (“Superior”) 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 a lower premium if I go directly to Brownyard without a broker and their commission?
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.
Eligibility Map
Key:
Eligible States
Ineligible States