Alarm Installation Insurance Program from J.L. von Arx & Associates
J.L. von Arx & Associates offers a specialized Alarm Installation Insurance program tailored to businesses that install, service, or repair various types of alarm and security systems. Designed for independent agents and brokers, this program provides access to competitive coverage options for eligible risks in select states.
Ideal Accounts and Appetite
This program is best suited for contractors and companies that perform the following types of work:
- Installation, service, and repair of burglar and fire alarm systems (excluding fire suppression systems)
- Installation and servicing of intercom and access control systems
- Closed-circuit television (CCTV) systems
Incidental product sales—defined as 15% or less of total sales—are acceptable within this program.
Example accounts that would fit well include a regional security contractor installing CCTV and access control systems for retail plazas, or a small business that services residential burglar alarms and intercom systems.
Coverage Highlights and Advantages
The Alarm Installation Insurance program is underwritten through multiple carriers, offering flexibility and access to strong markets. Key features include:
- General liability coverage tailored to the alarm installation industry
- Coverage for completed operations and premises liability
- Access to non-admitted options where needed
Note: This program does not include coverage for fire suppression systems or any form of alarm manufacturing.
Underwriting Notes and Minimum Premiums
Minimum premium for eligible accounts starts at $500. Underwriting is focused on risks with clean operations and no prohibited exposures.
Accounts not eligible for this program include:
- Alarm system manufacturing
- Monitoring services (whether in-house or subcontracted)
- Installation work involving vehicles, aircraft, or watercraft
- Medical alert system installations
- Projects performed for high-risk locations such as:
- Airports
- Medical facilities and hospitals
- Federal or government buildings
- Financial institutions
- Detention or correctional facilities
Territories and Availability
This program is currently available in Arizona (AZ), California (CA), and Nevada (NV). Availability may vary by carrier and risk profile.
Both admitted and non-admitted options are available in some states, allowing flexibility for complex or hard-to-place risks.
Why Work With J.L. von Arx & Associates?
As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.L. von Arx & Associates brings deep industry expertise and access to quality markets. With a focus on niche programs like Alarm Installation Insurance, they support independent agents and brokers by delivering responsive service, competitive quotes, and underwriting guidance. Whether you're placing a simple residential installer or a more complex commercial account, this program provides the tools you need to serve your clients effectively.