Costanza Insurance Agency, Inc. offers a specialized Umbrella Insurance program designed to meet the excess liability needs of clients in the Security and Alarm industry. This program provides agents and brokers with access to various limits and markets, helping you place accounts that require additional layers of protection beyond standard policies.
Ideal Accounts and Appetite
This Umbrella Insurance program is structured for businesses in the Security and Alarm sector, including but not limited to:
- Alarm installation and monitoring companies
- Private security firms
- Surveillance system providers
- Security consulting operations
You might have a client who installs commercial alarm systems and already carries general liability and professional liability coverage—but needs an extra layer of protection due to high-value contracts or public exposure. This is a strong fit for Costanza's Umbrella program.
Coverage Highlights and Advantages
Coverage is tailored specifically for the exposures faced by businesses in the Security and Alarm industry. Key features include:
- Various limit options available to meet client-specific needs
- Follows form over primary commercial liability coverages
- Protection against catastrophic claims and lawsuits
- Access to multiple carrier options to help meet underwriting requirements
This program is designed to help you meet client needs efficiently while reducing gaps in liability protection.
Underwriting Notes and Minimum Premiums
Costanza Insurance Agency, Inc. works with a range of carriers to offer flexibility in underwriting and limit selection. Minimum premiums vary depending on account size, risk profile, and coverage limits requested. Submissions with comprehensive application details and current underlying coverage documentation will receive the most efficient turnaround.
Territories and Availability
This Umbrella Insurance program is available in most states, including but not limited to CA, TX, FL, NY, IL, GA, and PA. It is admitted in many of these markets, providing easier placement for standard risks. Contact Costanza for state-specific eligibility and carrier availability.
Why Work With Costanza Insurance Agency, Inc.?
As a Managing General Agency with deep experience in niche commercial markets, Costanza Insurance Agency, Inc. gives you access to a broad range of carriers and tailored program features. Their focus on the Security and Alarm segment allows them to understand the unique risks and coverage needs your clients face—helping you deliver solutions that build trust and long-term relationships.
Frequently Asked Questions
What types of accounts are a good fit for this Umbrella Insurance program?
Accounts in the Security and Alarm industry, such as alarm installers, monitoring services, and private security firms, are ideal candidates for this program.
Is this program available on an admitted basis?
Yes, the program is available on an admitted basis in most states, depending on the specific risk and carrier appetite.
What coverage limits are available?
Various coverage limits are available to meet different client needs. Limits will depend on the underlying policies and overall risk profile.
Do minimum premiums apply?
Yes, minimum premiums vary based on the size and nature of the account. Contact Costanza Insurance Agency, Inc. for specific details.
What documents are needed to submit a risk?
Typically, a completed application, current underlying policies, and loss history are required for submission.
Need help placing an account? Connect with a market specialist.