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Colonial General Insurance Agency, Inc.
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Colonial General Insurance Agency, Inc.
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Alarm Installation Insurance

Policy Highlights:

Colonial General Insurance Agency, Inc. offers a specialized Alarm Installation Insurance program designed for contractors who install, service, and/or monitor burglar, fire, and other alarm systems. The program also covers intercoms, access control, and closed-circuit television (CCTV) systems. Available as mono-line or packaged coverage, it addresses the operational and professional risks unique to alarm service businesses and monitoring providers.

Ideal Accounts and Appetite

If you work with contractors who design, install, or maintain commercial or residential alarm systems, this program is a strong fit. Typical eligible accounts include businesses involved in:
  • Burglar and fire alarm installation and maintenance
  • Monitoring services (central station monitoring)
  • Access control and intercom system installation
  • CCTV and video surveillance systems
You might have a client who installs integrated fire and security systems in office buildings or one that provides 24/7 residential monitoring—both are well-suited for placement here.

Coverage Highlights and Advantages

Commercial General Liability Coverage:
  • Primary liability limits up to $3 million (per occurrence/aggregate)
  • Electronic Data Liability
  • Errors & Omissions (E&O) coverage included within policy limits
  • Excess / Umbrella capacity available up to $25 million
Included Coverages:
  • Blanket Additional Insured endorsement
  • Medical Payments—$5,000 limit
  • Lost Key Coverage—$25,000 limit
  • Property Damage Extension (Care, Custody, and Control)—up to $200,000 per occurrence / $300,000 aggregate
  • No deductible required
Property Coverage:
  • Accounts Receivable
  • Basic, Broad, or Special Form options
  • Building and Business Personal Property
  • Business Income and Equipment Breakdown
  • Computer Equipment, Inland Marine, and Outside Signs
  • Replacement Cost or Actual Cash Value valuation
  • Valuable Papers
Crime Coverage:
  • Inside the Premises—Theft of Money and Securities
  • Robbery or Safe Burglary of Other Property
  • Outside the Premises coverage

Underwriting Notes and Markets

Colonial General places these risks across a mix of admitted and excess & surplus markets, giving you flexibility to match coverage to the account. Underwriting is handled by specialists familiar with alarm installation and monitoring exposures. Typical considerations include scope of work (installation vs. monitoring), contract wording, subcontractor controls, safety procedures, and limits requested.

Territories and Availability

This program is currently available in the following states:
AZ, CA, CO, ID, NV, NM, UT, WY
If your account operates in these states, Colonial General can help place competitive, tailored alarm-related policies.

Why Work With Colonial General?

Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep experience in niche commercial risks. Their underwriters provide responsive, market-focused service and access to multiple carriers. For agents placing alarm installation and monitoring business, Colonial General offers flexible policy structures, admission options where available, and E&S solutions when needed—helping you secure the coverage your clients require.

Frequently Asked Questions

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

Ideal accounts include contractors who install, monitor, or maintain burglar alarms, fire alarms, CCTV, intercoms, and access control systems.

Is Errors & Omissions coverage included?

Yes. Errors & Omissions (E&O) coverage is included within the policy limits to protect professional services exposures.

Are there deductible requirements?

No. This program does not require a deductible, which can reduce upfront costs for your clients.

Can I write both liability and property coverage through this program?

Yes. General Liability and Property coverages are available on a mono-line or packaged basis depending on the account’s needs.

What states is this program available in?

This program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Some Available Markets
  • Carriers:
  • Carrier Ratings:
    A.M. Best A+ Rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

8475 E. Hartford Drive, 100
Scottsdale, AZ 85255
855-980-7480
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APPLICATIONS

AGENCY LICENSING

If you would like to become contracted with Colonial General, please fill out the agency agreement below and provide a copy of your license and E&O declaration page.

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Colonial General Insurance Agency, Inc. has other insurance programs like Accountants Professional Insurance.