Alarm and Electronic Security Insurance

Overview of the Program from Ck Specialty Insurance Associates, Inc.

Ck Specialty Insurance Associates, Inc. offers an Alarm and Electronic Security Insurance program designed for independent agents and brokers seeking market access for security, alarm and electronic systems contractors. This program provides broad Commercial General Liability with professional exposures addressed via Errors & Omissions and specific coverages that match the operational risks of alarm installers, monitoring services and locksmiths.

Coverage Highlights

Standard limits and coverages include:

• Commercial General Liability: $1,000,000 per occurrence
• General aggregate limits up to $5,000,000
• Errors & Omissions (professional liability) included
• Key and lock replacement coverage
• Custody and control / full care exposures covered

Available Options

• First Dollar Attachment (no deductible) or deductible options from $1,000 to $10,000
• Third-party theft coverage
• Hired and Non-owned Auto Liability
• Employee Benefits Liability
• Blanket waiver of subrogation
• Blanket additional insured endorsements
• Primary & Non-contributory wording
• Per-project aggregate available

Ideal Accounts and Appetite

This program is best for small to mid-sized businesses in the electronic security space. Typical classes we can place include:

• Alarm installers and service companies
• Electronic security integrators and low-voltage contractors
• Monitoring centers and central station operations
• Locksmiths and key-replacement services
• Maintenance and service contractors for security equipment

Accounts that generally fit: companies with steady revenue, standard installation activity (limited high-risk specialty work), documented procedures for installation and monitoring, and demonstrated experience. Accounts with significant marine or aviation exposure, large scale guard services with weapons, or unusually high payrolls and large project exposures may require referral or alternative markets.

Underwriting Notes and Minimums

Ck Specialty places business with a variety of markets (admitted and non-admitted). Most available markets are accessible depending on risk profile and capacity needs. Minimum premium starts at $500. Deductible flexibility ranges from first-dollar to higher dollar options up to $10,000. All carriers used are A-rated, and multiple admitted and non-admitted markets are available to match placement needs.

Territories and Availability

This program is available to retail agents for submissions originating in AZ, CA and CO. Market availability may vary by state and by individual risk characteristics.

Why Work with Ck Specialty Insurance

• Western-based MGA/wholesale with direct access to admitted and surplus lines markets.
• Quick turnaround on quotes, binders and policies—built for busy agents.
• Program tailored to the operational risks of security and alarm contractors with E&O and custody & control built in.
• Low minimums and flexible endorsements to satisfy contract requirements (additional insured, primary/non-contributory, waiver of subrogation).

Example Accounts

• You might have a regional alarm installer with 10 technicians, recurring monitoring revenue, and a mix of residential and light commercial installations — eligible for CGL with E&O and key replacement endorsements.
• Or a small locksmith business that wants coverage for key replacement, custody & control exposures and hired/non-owned auto liability — the program can bundle those options.