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CoverXSpecialty
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CoverXSpecialty
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Alarm Insurance

CoverXSecurity, a division of CoverXSpecialty, offers a dedicated Alarm Insurance program tailored specifically for residential and commercial alarm system installers and alarm monitoring companies. With over 35 years of specialized experience, CoverXSecurity understands the unique liability risks faced by professionals in the electronic security industry. Whether your client installs burglar alarms, fire detection systems, video surveillance, or provides 24/7 monitoring, this program offers targeted protection with broad coverage options and a streamlined underwriting process.
 

Ideal Accounts and Appetite

CoverXSecurity is an excellent market for a wide range of alarm-related businesses, including:
  • Residential and commercial alarm system installers
  • Electronic security contractors
  • Fire alarm system installers
  • Access control and surveillance system providers
  • Alarm monitoring service providers
This program fits both small and large operations, with a broad risk appetite and no minimum premium requirements. Coverage is available in all 50 states plus Washington, D.C.
 

Coverage Highlights and Advantages

CoverXSecurity provides access to a comprehensive portfolio of coverages that can be customized to suit each insured’s risk profile:
  • Commercial General Liability
  • Commercial Excess & Umbrella (up to $10 million limits)
  • Business Automobile
  • Commercial Property
  • Workers’ Compensation
  • Fidelity/Crime
  • Errors & Omissions coverage available
Key program features include:
  • Customized, risk-tailored policies
  • No minimum premiums
  • Fast quote turnaround and prompt policy issuance
  • Dedicated full-service claims staff with alarm industry expertise
  • Centralized submission, processing, and servicing
  • Large deductible and self-insured retention (SIR) options
  • Loss control services offered
 

Underwriting Notes and Minimum Premiums

There are no minimum premiums for this program, making it accessible for startups and smaller alarm contractors as well as larger operations. Underwriters evaluate each risk individually, allowing for flexibility in coverage structure and pricing. Agents can expect a responsive and knowledgeable underwriting team with deep insight into the alarm industry’s exposures and compliance needs.
 

Territories and Availability

This Alarm Insurance program is available in all 50 states and Washington, D.C. It is offered on a non-admitted basis, providing flexible terms and broader coverage options not always available through admitted markets.
 

Why Work With CoverXSecurity

Since 1973, CoverXSecurity has placed coverage for security-related risks and continues to be a trusted resource for alarm contractors and monitoring firms. Agents benefit from working with a partner that understands the technical details of electronic security systems and offers insurance solutions designed specifically for the industry. The program's flexibility, speed, and depth of coverage make it a reliable choice for agents seeking a competitive edge in this niche market.
 

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for residential and commercial alarm system installers, fire and burglar alarm contractors, surveillance system providers, and alarm monitoring companies.

Is there a minimum premium requirement?

No, there is no minimum premium, which makes this program accessible to both new and established businesses.

What coverages are available through this program?

Available coverages include General Liability, Property, Auto, Workers' Compensation, E&O, Fidelity, and Umbrella/Excess up to $10 million.

In which states is this program available?

This program is available in all 50 states and Washington, D.C., on a non-admitted basis.

How quickly can I get a quote?

CoverXSecurity offers fast quote turnaround, with responsive underwriting and prompt policy issuance.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency and Carrier
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A (Excellent) XIII
  • Commission:
    varies
  • Min Premium:
    None

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CONTACT INFORMATION

LOCATION

116 Washington Avenue
North Haven, CT 06473
203-497-3737
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APPLICATIONS

AGENCY LICENSING

Submitting agent/broker must be properly licensed and contracted with CoverXSecurity.
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