Alarm & Safety Equipment Insurance Program from Bailey Special Risks
When life and property are on the line, one installation error or failed sensor can create major liability. Bailey Special Risks, Inc. (BSR) offers a focused General and Professional Liability program for businesses that sell, install, service, or monitor alarm and safety systems. Placed on a non-admitted basis through First Mercury Insurance Company, this program is built to address the technical and operational exposures unique to the alarm and safety equipment sector.
Ideal Accounts and Target Classes
This program is well suited for insureds who perform one or more of the following:
- Selling, installing, and servicing fire alarms, burglar alarms, access control, and CCTV/surveillance systems
- Monitoring residential and commercial alarm systems
- Installing and maintaining fire suppression or special hazards systems for restaurants, warehouses, and light industrial sites
- Providing integration, programming, or limited site design services tied to alarm systems
BSR accepts a wide range of operations—from one-person contractors and small local shops to regional and national providers. New ventures and established firms are both eligible, provided operations and controls match the underwriting appetite.
Coverage Highlights and Advantages
The program combines General Liability and Professional Liability protections tailored for alarm and safety exposures. Key coverages and features include:
- General Liability and Errors & Omissions (Professional Liability)
- Bodily Injury and Property Damage
- Personal Injury and Advertising Injury
- Theft, Assault & Battery
- Punitive Damages where insurable by law
- Lost Key Coverage
- Blanket Additional Insureds and Waiver of Subrogation available subject to underwriting
- Flexible deductible and Self-Insured Retention (SIR) options
Underwriting Notes and Program Details
BSR underwrites this program on a non-admitted basis through First Mercury Insurance Company. Accounts are evaluated on core criteria including operations, prior loss history, safety and testing procedures, contract language, scope of work (installation vs. service vs. monitoring), and the presence of formal quality control or technician training programs.
Typical appetite supports accounts with routine alarm system work, monitoring services, and fire suppression service/maintenance. Higher risk exposures—such as full design/build of complex life-safety systems for high-hazard industrial processes—may require additional underwriting review or referral.
Example Accounts That Fit
- A regional alarm company that installs and monitors residential and small-commercial systems, with documented technician training and routine service contracts.
- A fire suppression maintenance contractor that performs inspection, testing, and recharge services for restaurants and light commercial kitchens.
Territories and Availability
This program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY.
Why Work With Bailey Special Risks?
Bailey Special Risks is a wholesale broker with deep niche expertise in specialty liability products. Agents benefit from BSR’s focused underwriting, fast turnaround, and access to a carrier experienced with alarm and life-safety exposures. BSR can help place accounts that standard markets may decline or limit, and can structure combined GL/E&O solutions that address installation, service, and monitoring risks in a single policy form.
If you have a client who installs commercial CCTV and access control systems for multi-tenant buildings, or a small company that provides 24/7 alarm monitoring for residential customers, BSR’s Alarm & Safety Equipment program is designed to provide the tailored liability protection those businesses need.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for companies that sell, service, install, or monitor alarm and safety systems, including fire alarms, burglar alarms, access control, and surveillance equipment.
Can new businesses qualify for coverage?
Yes. BSR accepts new ventures as well as established firms, provided the operations, controls, and contracts align with underwriting requirements.
Is this program available on an admitted basis?
No. This program is placed on a non-admitted basis through First Mercury Insurance Company.
Are there options for Blanket Additional Insureds and Waiver of Subrogation?
Yes. Blanket Additional Insured endorsements and Waiver of Subrogation can be included, subject to underwriting and carrier approval.
Which states is this program available in?
The program is available in most states, including CA, FL, TX, NY, and many others. See the full list above for details.
Need help placing an account? Connect with a market specialist.