Alarm & Security System Installer Insurance

Core coverages

• General liability — property damage and injury during installation
• Errors & omissions (E&O) — the make-or-break coverage: claims when a system fails to detect, alert, or perform
• Installation floater — equipment in transit and on site before it's operational
• Commercial auto — service vehicles and installers on the road
• Workers comp — ladder work and attic/crawlspace exposure

What drives your rate

Install-only versus monitoring contracts, the customer contracts you use (limitation-of-liability language matters enormously here), revenue split between residential and commercial, and claims history. A well-written customer contract can move your E&O pricing more than any other factor.

Why agents pass — and we don't

Most agents quote alarm installers as generic contractors — which leaves the failure-to-perform exposure completely uncovered. Security-industry programs build the E&O correctly from the start, and we make sure your contract language and your policy actually match.