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Excel Insurance Services, Inc.
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Excel Insurance Services, Inc.
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Alarm Installation Insurance

Alarm Installation Coverage
 
Excel Insurance Services, Inc. offers a focused Alarm Installation Insurance program for contractors who install, service, or monitor security and life-safety systems. As a Managing General Agency and E&S lines broker, Excel provides access to multiple non-admitted markets to help you place accounts with challenging exposures or niche operations.

Ideal Accounts and Appetite

This program is aimed at contractors and service providers who work with electronic security systems, including:
  • Installation and maintenance of burglar and fire alarm systems
  • Closed-circuit television (CCTV) setup and monitoring
  • Intercom and access-control system installation
  • Residential and commercial monitoring services
You might have a small regional alarm company that installs residential security cameras and also provides ongoing monitoring, or a commercial integrator that handles CCTV and access control for multiple tenants—this program is structured to cover those combined installation and monitoring operations. Typical fits include contractors with moderate annual revenue, limited subcontracting, and no history of large professional liability losses.

Coverage Highlights and Advantages

Excel’s Alarm Installation program includes coverages tailored to the exposures alarm contractors face:
  • Minimum Premium: $750 for $1M/$2M limits
  • Primary Limits: Up to $3,000,000 occurrence/aggregate
  • Errors & Omissions: Included to policy limits
  • Electronic Data Liability: Included
  • No Deductible: First-dollar coverage
  • Umbrella: Available
Included coverages:
  • Medical Payments — $5,000 limit
  • Blanket Additional Insured endorsement
  • Lost Key coverage — $25,000 limit
  • Property Damage Extension (Care, Custody & Control) — Up to $200,000 per occurrence / $300,000 aggregate
These features are useful for insureds who handle high-value equipment or work on client premises where errors can produce both property and professional exposures.

Underwriting Notes and Submission Requirements

To expedite placement, submit:
  • Completed ACORD application
  • Alarm Installation Supplement
  • Loss experience / claim details
This program is placed in the non-admitted market, which provides underwriting flexibility for unique or higher-risk profiles. Common underwriting considerations include scope of work, revenue size, subcontractor use, prior professional or property claims, and monitoring operations. Accounts with significant product manufacturing, high subcontractor dependency, or large prior professional liability losses may be harder to place.

Territories and Availability

Available in:
  • Delaware (DE)
  • New Jersey (NJ)
  • New York (NY)
  • Pennsylvania (PA)
Agents operating in these states can access this program for both local independents and regional contractors.

Why Work With Excel Insurance Services, Inc.?

Excel combines market access, electronic security expertise, and responsive service to help agents place alarm installation and monitoring risks. As an MGA and E&S broker, Excel can submit to multiple carrier partners to find competitive terms for accounts that may not fit standard admitted markets. Whether you’re placing a start-up installer or a well-established monitoring firm, Excel can help tailor coverage to the account’s operational and professional exposures.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Accounts involved in installation, maintenance, or monitoring of burglar alarms, fire alarms, CCTV systems, or intercoms are ideal candidates.

Is this program available in all states?

No. It is currently available in Delaware, New Jersey, New York, and Pennsylvania.

What are the minimum submission requirements?

Submit a completed ACORD application, the Alarm Installation Supplement, and loss history information.

Is this an admitted or non-admitted program?

This program is non-admitted, offering more flexible underwriting and coverage options for specialized risks.

Does the program include Errors and Omissions coverage?

Yes. E&O coverage is included up to the policy limits.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A or Better
  • Commission:
    Various
  • Min Premium:
    $750

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Excel Insurance Services, Inc. has other insurance programs like Cyber Liability Insurance.