For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
AI Risk
Contact Us
contact_phone Click to call
AI Risk
Contact Us
contact_phone Click to call

Burglar & Fire Alarm, and Telecommunications

Overview of the Program From AI Risk:

AI Risk offers a specialized insurance program for businesses operating in the burglar and fire alarm, security system, and telecommunications industries. This program is designed for agents and brokers seeking reliable markets for clients who sell, install, maintain, or monitor security and communication systems. With access to strong carrier backing through AIG and availability across all 50 states and D.C., this program provides comprehensive coverage tailored to these high-tech, high-liability sectors.

Ideal Accounts and Appetite:

This program targets a range of companies in the security and telecommunications space, including:
  • Security alarm installers (burglar and fire alarms)
  • Monitoring service providers
  • Telecommunications installation and service companies (voice, cable, internet)
  • Satellite TV sales and installation businesses
  • CTV and two-way video dial tone system providers
If you work with clients who design, install, or monitor electronic security or communication systems—whether residential, commercial, or industrial—this program is built to meet their needs. For example, you might have a client who installs integrated fire and burglar alarm systems in commercial buildings or a company that provides satellite TV and internet installation services for residential customers. These are the types of accounts that fit well within AI Risk’s underwriting appetite.

Coverage Highlights and Advantages:

AI Risk’s program includes a broad suite of coverages tailored to the unique exposures of the alarm and telecom industries:
  • General Liability (ISO occurrence form)
  • Professional Liability – essential for design errors, system failures, or installation mistakes
  • Property Coverage – ISO form coverage for owned buildings, equipment, and business personal property
  • Commercial Auto – ideal for mobile installation crews and service vehicles
  • Umbrella Liability – optional excess coverage for added protection
Additional enhancements include Broad Form Commercial General Liability and options for Additional Insured wording and Waiver of Subrogation—key requirements for many commercial clients and contracts.

Underwriting Notes and Minimum Premiums:

The program starts at a minimum premium of $2,500, which includes General Liability and Professional Liability, with options to add Property and Umbrella coverages. Underwriting is handled by experts who understand the technical nature and risk profile of these industries. Submissions that include detailed operational and risk management information tend to receive quicker consideration.

Territories and Availability:

This program is available in all 50 states and Washington, D.C., giving you nationwide placement capabilities. Whether your client operates locally or across multiple states, AI Risk can help you deliver consistent and compliant coverage solutions.

Why Work With AI Risk on This Business:

AI Risk is both a Managing General Agency and Carrier with deep expertise in high-risk, technology-driven industries. With access to AIG and other top-tier markets, they deliver tailored insurance solutions that address the evolving exposures in the alarm and telecom sectors. Their team understands the importance of responsive service, knowledgeable underwriting, and flexible coverage structures—making them a valuable partner for agents and brokers looking to place this specialized business.

Frequently Asked Questions

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

Ideal accounts include businesses that install, monitor, or maintain burglar and fire alarm systems, as well as telecommunications and satellite installation service providers.

Is Professional Liability included in the program?

Yes, Professional Liability is included and is a key component of the program, especially for companies responsible for system design and installation.

What is the minimum premium for this program?

The minimum premium starts at $2,500 for accounts that include General Liability and Professional Liability, with optional Property and Umbrella coverages available.

Is this program available nationwide?

Yes, the program is available in all 50 states and Washington, D.C., providing nationwide placement opportunities.

Who underwrites this program?

AI Risk handles underwriting and partners with AIG to provide strong carrier support and industry-specific expertise.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A XI rated
  • Commission:
    Varies
  • Min Premium:
    -

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Contact for Application
    Click here to contact the appropriate AI Risk office for more information and applications.

AGENCY LICENSING

Please call the Middle Market Program Manager in your area.
CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
AI Risk has other insurance programs like Amateur Sports.