Property Coverages Available
- Building
- 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
CGL and Professional Liability Highlights
- Primary limits up to $3 million occurrence/aggregate
- Electronic Data Liability
- Errors & Omissions (E&O) coverage available — policy limits
- Excess or Umbrella limits up to $25 million
Included or available endorsements:
- Lost Key Coverage - $25,000 limit
- Blanket Additional Insured Endorsement
- Medical Payments - $5,000 limit
- Property Damage Extension (Care, Custody, and Control) - policy limits up to a maximum of $200,000 per occurrence / $300,000 aggregate
Crime Coverages
- Outside the Premises
- Inside the Premises — Robbery or Burglary of Other Property
- Inside the Premises — Theft of Money and Securities
Program Access and Quoting
This Alarm Installation Contractors Insurance program is offered through Joseph Distel & Co. Inc. as a Managing General Agency and Excess & Surplus Lines broker. Markets and carriers vary by risk; admitted placements are obtained where available and surplus lines placement is used when necessary. Agents can obtain online comparative quotations through our Strategic Technologies & Agency Rating (STAR) platform: http://mgastar.com.
Ideal Accounts and Appetite
- Installation companies that design and install fire, burglar, CCTV and access control systems.
- Service and monitoring contractors that provide maintenance and remote alarm monitoring.
- Small to mid-sized contractors with straightforward installation exposures and good safety controls.
Generally suitable risks have documented installation procedures, background checks for technicians, clear service agreements, and secure handling of keys and electronic access credentials. Higher-exposure accounts (high annual revenue from monitoring, complex integrated security solutions for critical infrastructure, or significant subcontracted work without adequate contracts) may require additional underwriting review or placement in a specialty market.
Underwriting Notes and Minimum Premiums
- Underwriting focuses on scope of work (installation vs. monitoring), employee screening, contract language, subcontractor controls, and equipment handling/storage practices.
- Errors & Omissions exposure is evaluated for firms providing design, programming or monitoring services; E&O limits available as part of the program.
- Minimum premiums and final terms vary by state and carrier; please submit details via STAR or through your Joseph Distel & Co. Inc. underwriter for a guided indication.
Territories and Availability
Program availability: CT, ME, MA, NH, RI, VT. Markets are generally most available across these New England states; admitted placements are used where possible and E&S solutions are available when needed.
Why Place This Business with Joseph Distel & Co. Inc.
- Specialized underwriting team with experience in alarm and security contractor exposures.
- Flexible packaging of property, general liability, crime and professional liability coverages to match contractor operations.
- Online comparative quoting via STAR for faster indications and side-by-side market comparisons.
- Ability to access admitted and surplus lines markets to place higher-exposure or hard-to-place accounts.
Example scenarios you can place through this program: a regional alarm installation firm that installs access control and CCTV for small commercial clients and wants combined property/CGL with E&O; or a service-only monitoring company seeking liability limits and electronic data protections. Submit account details for a tailored indication.
Frequently Asked Questions
What types of alarm contractor accounts are a good fit for this program?
Companies that install, service, or monitor fire, burglar, access control, intercom, or CCTV systems — particularly small to mid-size contractors with clear installation procedures, written client contracts, and controls for keys and electronic credentials — are a good fit.
Can I get Errors & Omissions coverage as part of the package?
Yes. E&O coverage is available through the program; limits and terms depend on the scope of services (design, programming, monitoring) and underwriting review.
Is this available on admitted paper?
We place admitted coverage where markets permit. When admitted options are not available, Joseph Distel & Co. Inc. can place risks in surplus lines markets. Availability varies by state and carrier.
What information should I include in a submission for a quick indication?
Provide a description of operations (installation vs. monitoring), annual revenue, payroll, number of technicians, subcontractor use, copies of service contracts, loss history, and any credentialing or background-check practices to expedite quoting on STAR or via your underwriter.
Which states do you write in?
This program is available in CT, ME, MA, NH, RI, and VT. Markets and terms can vary by state; please submit state-specific exposures for an accurate indication.
Need help placing an account? Connect with a market specialist.