Ideal Accounts and Appetite
This program is designed for licensed alarm contractors and technicians who provide installation, maintenance, and monitoring services. Ideal accounts include:
- Burglar and fire alarm system installers
- CCTV and camera system technicians
- Access control and intercom system providers
- Contractors offering remote monitoring services
Accounts with a focus on commercial, residential, or mixed-use clients are eligible, and we can accommodate a wide range of business sizes from small operations to larger regional contractors.
Coverage Highlights and Advantages
We offer comprehensive Property and CGL coverages tailored to the risks faced by alarm installers and repair technicians. Key features include:
Property Coverage
- Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value
- Equipment Breakdown
- Accounts Receivable and Valuable Papers
- Computer Equipment and Outside Signs
- Inland Marine, Building, and Contents
- Business Income
General Liability Coverage
- Primary Limits up to $3M Occurrence / Aggregate
- Excess or Umbrella Limits up to $20M
- Medical Payments – $5,000 Limit
- Lost Key Coverage – $25,000 Limit
- Limited Errors & Omissions BI/PD Extension
- Property Damage Extension (Care, Custody & Control) – Up to $200K per Occurrence / $300K Aggregate
- Inside and Outside the Premises – Theft of Money and Securities
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the scope of operations, size of the business, and selected coverages. Submissions should include a completed application, loss runs (if applicable), and a detailed description of services provided. We work closely with agents to navigate underwriting requirements and provide competitive solutions.
Territories and Availability
This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a wide range of carriers, offering both admitted and non-admitted options depending on the state and risk profile.
Why Work With J.M. Wilson?
As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience in placing niche contractor risks. Our team understands the unique exposures faced by alarm installation professionals and works with agents to deliver fast, flexible, and competitive insurance solutions. Whether your client is a startup alarm technician or a regional monitoring company, we’re here to help you secure the right coverage.
Visit our website, www.jmwilson.com to learn more!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for licensed contractors who install, service, or monitor burglar alarms, fire alarms, intercoms, access control systems, and CCTV systems.
Is coverage available for companies that offer alarm monitoring services?
Yes, accounts that provide remote monitoring in addition to installation and service are eligible for coverage.
Are both monoline and package policies available?
Yes, J.M. Wilson can offer coverage on either a monoline or package basis depending on client needs and underwriting considerations.
What states is this program available in?
This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Do you offer admitted and non-admitted options?
Yes, we have access to both admitted and non-admitted carriers to help you find the best fit for your client’s risk profile and location.
Need help placing an account? Connect with a market specialist.