Overview — RSG National Specialty Programs
Ryan Specialty National Programs (RSG National Specialty Programs) offers a focused national program for alarm installers, alarm contractors and security companies. As a program administrator, RSG works with an exclusive carrier relationship and experienced program specialists so retail agents and brokers can secure comprehensive commercial coverage for clients in the low- to mid-market. Use this program when your clients need tailored general liability, professional liability and related coverages for alarm, access control and low-voltage operations.
Ideal Accounts and Appetite
- Alarm and security contractors with mixed commercial and residential exposure.
- Installation-only or installation + monitoring operations.
- Clients doing CCTV, access control, home automation, home theater integration or low-voltage work tied to security systems.
- Small to mid-sized businesses that have written customer contracts (including liquidated damages clauses) and reasonably managed third-party exposures.
Less appropriate: accounts with significant burglary-response operations that place employees in hazardous environments, high-loss prior histories without mitigation, large national integrators requiring admitted paper or unique state filings. Always confirm fit with underwriting before submission.
Coverage Highlights and Advantages
- Primary General Liability designed for alarm contractors and installers.
- Professional Liability / Errors & Omissions to address faulty installation, system failures and monitoring mistakes.
- Personal Injury, Lost Key, and Care/Custody & Control extensions often available to mirror common industry exposures.
- Excess / Umbrella limits are available with in-house binding authority up to $10,000,000.
- Package options: Workers’ Compensation, Commercial Auto, Crime, Property and Inland Marine to build broader placements through the same program.
Underwriting Notes and Minimum Premiums
Typical submission requirements include a completed supplemental application, ACORD forms, five years of currently valued loss runs, and a copy of the customer contract that includes a liquidated damages clause. Minimums: General Liability minimum premium is $500. Underwriting will review contract language, installation practices, monitoring arrangements, and prior loss trends.
Territories and Availability
Available nationwide through the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted status: No States — verify admitted vs. non-admitted placement with program specialists for any state-specific requirements.
Why Work with Ryan Specialty National Programs
- Program-focused underwriting with a specialty appetite for alarm and low-voltage trades.
- Access to a carrier relationship that supports both primary and excess limits and multiple ancillary lines.
- Responsive program specialists who can help structure submissions, identify gaps and coordinate multi-line placements.
Example fits: You might have a regional alarm installer that performs commercial and residential installations, carries written customer contracts, and needs GL with E&O plus commercial auto — this program is built to address that package. Or you might place a home-automation integrator that needs primary GL with lost-key and care/custody extensions alongside inland marine for installed equipment.
Submission Checklist
- Completed supplemental application
- ACORD applications/forms
- Five years currently valued loss runs
- Customer contract copy (with liquidated damages clause)
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Frequently Asked Questions
What types of alarm and security businesses are a good fit for this program?
Installation and monitoring contractors, CCTV and access control installers, home automation and home-theater integrators with commercial and residential exposure and standard customer contracts are ideal. Larger national integrators or accounts with unmanaged high-risk operations may not fit.
Which lines can I package through this program?
Primary General Liability and Professional Liability (E&O) are core. Excess/umbrella, workers’ compensation, commercial auto, crime, property and inland marine are commonly available to create a multi-line placement.
What are the key underwriting items I should include with a submission?
Provide a completed supplemental application, ACORD forms, five years of currently valued loss runs and the insured’s customer contract that includes any liquidated damages clause. Clear contract terms and recent loss history help speed review.
Is this program available in my state?
The program is available across the states listed in the storefront. Because filings and admitted status can vary, confirm admitted vs. non-admitted availability and any state-specific requirements with the program specialists before submitting.
What is the minimum premium to know up-front?
The program’s minimum General Liability premium is $500. Final pricing depends on class, limits, exposures and loss history — include complete submission details for the most accurate indication.
Need help placing an account? Connect with a market specialist.