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Alarm Companies Insurance Insurance for Alarm Contractors, Installers and Security Companies Overview — RSG National Specialty Programs Ryan Specialty National Programs (RSG National Specialty Programs) offers a focused national program for alarm installers, alarm contractors and security companies. As a program administrator, RSG works with an exclusive carrier relationship and experienced program specialists so retail agents and brokers can secure comprehensive commercial coverage for clients in the low- to mid-market. Use this program when your clients need tailored general liability, professional liability and related coverages for alarm, access control and low-voltage operations. Ideal Accounts and Appetite Alarm and security contractors with mixed commercial and residential exposure. Installation-only or installation + monitoring operations. Clients doing CCTV, access control, home automation, home theater integration or low-voltage work tied to security systems. Small to mid-sized businesses that have written customer contracts (including liquidated damages clauses) and reasonably managed third-party exposures. Less appropriate: accounts with significant burglary-response operations that place employees in hazardous environments, high-loss prior histories without mitigation, large national integrators requiring admitted paper or unique state filings. Always confirm fit with underwriting before submission. Coverage Highlights and Advantages Primary General Liability designed for alarm contractors and installers. Professional Liability / Errors & Omissions to address faulty installation, system failures and monitoring mistakes. Personal Injury, Lost Key, and Care/Custody & Control extensions often available to mirror common industry exposures. Excess / Umbrella limits are available with in-house binding authority up to $10,000,000. Package options: Workers’ Compensation, Commercial Auto, Crime, Property and Inland Marine to build broader placements through the same program. Underwriting Notes and Minimum Premiums Typical submission requirements include a completed supplemental application, ACORD forms, five years of currently valued loss runs, and a copy of the customer contract that includes a liquidated damages clause. Minimums: General Liability minimum premium is $500. Underwriting will review contract language, installation practices, monitoring arrangements, and prior loss trends. Territories and Availability Available nationwide through 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. Admitted status: No States — verify admitted vs. non-admitted placement with program specialists for any state-specific requirements. Why Work with Ryan Specialty National Programs Program-focused underwriting with a specialty appetite for alarm and low-voltage trades. Access to a carrier relationship that supports both primary and excess limits and multiple ancillary lines. Responsive program specialists who can help structure submissions, identify gaps and coordinate multi-line placements. Example fits: You might have a regional alarm installer that performs commercial and residential installations, carries written customer contracts, and needs GL with E&O plus commercial auto — this program is built to address that package. Or you might place a home-automation integrator that needs primary GL with lost-key and care/custody extensions alongside inland marine for installed equipment. Submission Checklist Completed supplemental application ACORD applications/forms Five years currently valued loss runs Customer contract copy (with liquidated damages clause) Contact us today for more information on our Alarm Companies Insurance program! Frequently Asked Questions What types of alarm and security businesses are a good fit for this program?Installation and monitoring contractors, CCTV and access control installers, home automation and home-theater integrators with commercial and residential exposure and standard customer contracts are ideal. Larger national integrators or accounts with unmanaged high-risk operations may not fit. Which lines can I package through this program?Primary General Liability and Professional Liability (E&O) are core. Excess/umbrella, workers’ compensation, commercial auto, crime, property and inland marine are commonly available to create a multi-line placement. What are the key underwriting items I should include with a submission?Provide a completed supplemental application, ACORD forms, five years of currently valued loss runs and the insured’s customer contract that includes any liquidated damages clause. Clear contract terms and recent loss history help speed review. Is this program available in my state?The program is available across the states listed in the storefront. Because filings and admitted status can vary, confirm admitted vs. non-admitted availability and any state-specific requirements with the program specialists before submitting. What is the minimum premium to know up-front?The program’s minimum General Liability premium is $500. Final pricing depends on class, limits, exposures and loss history — include complete submission details for the most accurate indication. Need help placing an account? Connect with a market specialist.

Fire Suppression and Sprinkler Contractors Insurance Program A fire can escalate within seconds, making early detection and suppression systems critical to life safety and property protection. Ryan Specialty National Programs offers a focused insurance solution for contractors in the fire suppression and sprinkler trades. Built for businesses with strong hiring practices, documented training, and favorable loss histories, this program combines targeted underwriting with flexible market placement to protect contractors’ operations and professional exposures. Ideal Accounts and Target Classes This program is designed for a broad range of fire protection professionals, including contractors who perform: Installation, inspection, service, and repair of wet and dry sprinkler systems Design, installation, and monitoring of fire suppression systems Sales, service, and recharging of portable fire extinguishers Specification and installation of chemical-based suppression systems Typical accounts that fit the appetite include retrofit work, CPVC/PVC installations, retail sales and service operations, and residential projects. You might have a client who installs dry-pipe systems in commercial warehouses or a contractor who designs chemical suppression systems for restaurant kitchens — both are good candidates for this program when supported by documented safety and training programs. Coverage Highlights and Advantages Ryan Specialty National Programs provides a comprehensive set of coverages tailored to this industry’s exposures: General Liability: Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate (minimum GL premium $1,500) Professional Liability: Errors & Omissions coverage for design and specification exposures Workers’ Compensation to cover on-the-job injuries Auto Liability for company vehicles and equipment transport Excess/Umbrella Liability: In-house binding authority up to $10 million Property, Inland Marine, and Crime to protect tools, materials, and business property Care, Custody, and Control Coverage for exposure tied to clients’ property while in your care This package is aimed at protecting contractors from bodily injury, property damage, and professional liability arising from installation, maintenance, and design activities. Underwriting Notes and Submission Requirements Underwriters look for accounts with documented risk controls and stable loss histories. When submitting, include the following to speed placement: Completed supplemental application specific to fire protection contractors ACORD forms (General Liability and Auto as applicable) Five years of currently valued loss runs Target or expiring premium Ryan Specialty favors contractors with formal safety programs, routine employee training, and supervision on complex projects. High-frequency loss activity, practice without proper licensing, or large-scale design/build projects with unresolved contractual risk transfer may be challenging to place. Territories and Availability This program is available nationwide — all 50 states and Washington, D.C. — and is placed on a non-admitted basis through multiple carrier partners to provide flexibility and capacity for varied risk profiles. Why Work With Ryan Specialty National Programs? As a program administrator, Ryan Specialty National Programs brings deep underwriting expertise in the fire protection niche and streamlined processes for retail agents. Benefits for agents include: Access to multiple carrier partners and in-house binding authority for excess limits Dedicated underwriting familiar with sprinkler and suppression exposures Efficient submission handling for faster turnaround Scalable solutions for small service shops up to larger design and monitoring contractors Whether you are placing a straightforward sprinkler installation contractor or a firm that provides system design and monitoring, this program gives you tools to tailor placement and limit client gaps in coverage. Contact us today for more information on our Fire Suppression and Sprinkler Contractors Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include contractors involved in the installation, service, design, and monitoring of fire suppression systems, sprinkler systems, and fire extinguishers. Is this program available in all states?Yes. The program is available in all 50 states and Washington, D.C., and is placed on a non-admitted basis through multiple carrier partners. What is the minimum premium for General Liability coverage?The minimum premium for General Liability coverage starts at $1,500. What types of coverage are included in this program?Available coverages include General Liability, Professional Liability (E&O), Workers’ Compensation, Auto Liability, Excess/Umbrella, Property, Inland Marine, and Crime. What documentation is required to submit a risk?Agents should submit a completed supplemental application, ACORD forms, five years of loss runs, and the target or expiring premium. Need help placing an account? Connect with a market specialist.

...t-occupied or vacant) Commercial real estate portfolios REO (Real Estate Owned) properties held by servicers o...