General liability
Injury and property damage from installation work.
Business Insurance
Alarm installer and monitoring insurance.
When a system fails to detect a break-in, the customer looks at you. Failure to perform is the claim that defines this trade.
Alarm and security installers sell a promise that something will work at the moment it matters. When it does not — a system that fails to trigger, a monitoring centre that misses a signal — the customer's loss can be substantial and the claim lands on the installer.
Failure to perform and contract limitations
Standard general liability responds to injury and property damage, not to a loss the customer suffered because the system did not work. That is errors and omissions or failure-to-perform cover, and it needs arranging specifically.
Alarm industry contracts conventionally include limitation of liability clauses capping the company's exposure, often at a nominal figure. Those clauses are important and are frequently the primary defence — but they need to be in the signed agreement, and your insurance should be arranged on the assumption a court might not enforce one.
What it covers
The parts of a alarm installer insurance policy
Errors and omissions
Customer loss where a system or monitoring service fails to perform.
Tools and equipment
Installation equipment and stock held for jobs.
Commercial auto
Service vehicles and hired and non-owned exposure.
Working with us
What we do differently
We are an independent agency, so we place your alarm installer insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Carry E&O — general liability does not answer a system that failed to work
- Keep limitation of liability clauses in every signed customer contract
- Declare monitoring if you provide it; it changes the exposure materially
Common questions
Alarm Installer Insurance, answered
Is a system failing to detect a break-in covered?
Not by general liability, which covers injury and property damage you cause. Failure to perform is an errors and omissions exposure and needs cover arranged for it specifically.
Do limitation of liability clauses actually help?
They are the industry norm and frequently the first line of defence, but they need to be properly drafted and signed. Insurance should be arranged on the basis that a clause might not hold in every case.
Does monitoring change the cover I need?
Yes, considerably. Providing monitoring adds an ongoing service obligation on top of the installation exposure, and underwriters rate it separately.
Related cover
Often arranged alongside this
Electrician Insurance
Electrical work carries a fire exposure that outlives the job. Completed operations cover is the section that matters most, and the one worth never letting lapse.
Read moreProfessional Liability Insurance
General liability covers injury and damage. It does not cover being wrong. If clients rely on your work, that is the gap this fills.
Read moreContractor Insurance
Most contractors do not buy insurance because they want it. They buy it because a general contractor, a client or a city will not let them start without a certificate.
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