Monitor your profits while protecting your clients with Cochrane & Company's specialized Alarm Installation Insurance program. Designed for contractors who sell, install, service, monitor, or repair alarm systems, this program is backed by an A+ XV–rated specialty carrier and tailored to the risks associated with burglar alarms, fire alarms, intercoms, CCTV, access control and other electronic security systems. Use this program to place accounts that need both strong general liability protection and comprehensive property, inland marine, and E&O options.
Ideal Accounts and Appetite
- Residential and commercial alarm system installers
- Fire and burglar alarm contractors
- Intercom, access control, and CCTV system providers
- Contractors with up to 15% of revenue from medical monitoring
- Service providers for banks, financial institutions, vehicles, or watercraft
This program is a strong fit for alarm contractors who require a combination of General Liability, E&O, and property protections. Typical fits include:
- A contractor installing and monitoring CCTV systems for multi-tenant commercial buildings.
- An integrator providing access control and intercom systems for retail or office locations, including service and monitoring agreements.
Underwriting will consider system type, contract language, percentage of monitoring/medical monitoring revenue, and work performed on high-risk accounts (banks, armored vehicles, marine). Accounts that exceed the specified medical-monitoring threshold or that perform high-risk life-safety system work without documented controls may be limited or declined.
Coverage Highlights and Advantages
Alarm Installation Insurance: Available Coverages:
- General Liability – Primary limits up to $3 million occurrence/aggregate
- Electronic Data Liability
- Errors & Omissions (E&O) – Included at policy limits where appropriate
- Excess / Umbrella – Up to $25 million available
Included Coverages:
- Medical Payments – $5,000 limit
- Blanket Additional Insured Endorsement
- Lost Key Coverage – $25,000 limit
- Property Damage Extension (Care, Custody, and Control) – Up to $200,000 per occurrence / $300,000 aggregate
Property Coverage:
- Building and Business Personal Property
- Business Income
- Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value
- Equipment Breakdown
- Inland Marine
- Accounts Receivable
- Computer Equipment
- Outside Signs
- Valuable Papers
Crime Coverage: Available for both inside and outside the premises.
Deductible: No deductible required on certain coverages; options vary by submission.
Underwriting Notes and Minimum Premiums
Underwriting reviews focus on scope of work, contract terms (hold-harmless, indemnity, and monitoring agreements), training and experience of technicians, and percentage of revenue from monitoring or medical monitoring. Minimum premiums and final terms depend on the account profile and coverages selected — Cochrane & Company works with agents to match risks to appropriate specialty markets.
Territories and Availability
This program is non-admitted and available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Cochrane & Company leverages regional underwriting expertise to address the regulatory and environmental challenges common to alarm contractors operating in the Western U.S.
Why Work With Cochrane & Company?
As a Managing General Agency, Cochrane & Company offers focused access to specialty markets and hands-on underwriting for electronic security contractors. Agents benefit from:
- Dedicated program underwriters familiar with alarm and security exposures.
- Access to A+ XV–rated appetite and excess capacity where needed.
- Flexible package options that combine GL, E&O, property, inland marine, and crime.
- Responsive service and collaborative placement approach for tough or high-exposure accounts.
For more information on our Alarm Installation Insurance program, please contact us!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for contractors involved in installing, servicing, or monitoring burglar alarms, fire alarms, intercoms, CCTV, and access control systems. Accounts with limited medical monitoring (under 15% of receipts) may also qualify.
Is this program available on an admitted basis?
No, this program is written on a non-admitted basis through various specialty carriers.
What states is the program available in?
The program is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Are financial institution or vehicle alarm accounts eligible?
Yes, risks involving banks, financial institutions, vehicle, or watercraft alarm systems can be considered under this program.
What limits are available for General Liability?
General Liability limits are available up to $3 million per occurrence/aggregate, with excess or umbrella limits up to $25 million.
Need help placing an account? Connect with a market specialist.