Ideal Accounts and Target Classes
If you place coverage for contractors and security professionals, this program fits a wide range of low-voltage and security-related operations, including:
- Fire alarm installation
- Burglar alarm installation
- CCTV and surveillance system installation
- Access control system setup
- Home automation and smart-home integration
- Home theater installation
- Security guard services and patrol agencies
Veracity can consider both residential and commercial operations, and can combine alarm installation exposures with physical security services when underwriting criteria are met.
Coverage Highlights and Advantages
This program is supported by AM Best "A" rated capacity and Veracity’s underwriting specialists. Key features include:
- Minimum premiums starting at $1,200
- All applicable lines available except Workers Compensation
- Errors & Omissions (E&O) included
- Lost key and vicarious liability coverage
- Care, custody & control protection
- Firearms coverage for qualifying guard or patrol accounts
These coverages respond to common exposures such as property damage during installations, allegations of faulty wiring or improper design, and claims arising from system failure after a loss. The program is structured to provide a broad package for integrators, installers, and combined alarm/guard operations.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $1,200. Veracity underwrites a wide range of risk sizes—from start-ups to established contractors—and offers flexible terms through admitted and non-admitted markets. Workers Compensation is not offered through this program; however, most other lines, including commercial auto, can be placed as part of a package.
Typical underwriting considerations include years in business, revenue and payroll split between installation and guard services, contract language, scheduled equipment values, and safety practices. Accounts with negligent maintenance exposures, repeated prior losses without mitigation, or large unprotected alarm monitoring liabilities may require additional review.
Territories and Availability
Veracity places business across a broad footprint. This program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Capacity is provided through a mix of admitted and non-admitted carriers to give flexibility when placing complex or higher-severity accounts.
Why Work With Veracity Insurance Solutions?
As a specialist MGA and E&S broker focused on security-related risks, Veracity combines market access with underwriting expertise. Working with Veracity gives you:
- Specialized underwriting that understands low-voltage trade exposures
- Access to multiple carriers and E&S capacity for tougher risks
- Competitive minimums for smaller contractors and scalable terms for larger integrators
- Included E&O coverage and niche endorsements targeted to security operations
Example accounts that fit well: a regional CCTV and access control integrator that also provides 24/7 monitoring services; or a residential alarm installer expanding into smart-home integration who needs combined GL and E&O protection. In both cases, Veracity can structure a package to address installation, professional liability, and premises exposures under one program.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Businesses engaged in alarm installation, access control, CCTV installation, home automation, and security guard services—both residential and commercial—are a good fit, including accounts that combine installation with physical security services.
Is Errors & Omissions coverage included?
Yes. E&O is included in the standard package to help cover claims arising from design errors, faulty programming, or failure of systems to perform as expected.
Are all states eligible for this program?
The program is available in a broad set of states (see Territories and Availability). Veracity writes through admitted and non-admitted carriers to provide placement options in most jurisdictions.
What is the minimum premium for this coverage?
Minimum premiums begin at $1,200, though final premiums depend on the insured’s size, operations, and loss history.
Can this program cover both alarm installation and guard services?
Yes. Veracity can consider combined installation and guard/patrol operations, subject to underwriting criteria such as limits, payroll mix, and loss experience.
Need help placing an account? Connect with a market specialist.