Report a claimGet a certificateMake a changeLog in
riza
802-GOT-RIZAget started
Illustrated street with a house with a camera under the eave and a white service van, back doors open on shelves of boxed cameras and cable reels and a purple step ladder on the roof rack, and a glass-front office building with dome cameras and a card reader on the other side, open sky and road between

Alarm and security insurance

sell the
monitoring
contract too.

Liability, professional coverage for systems that fail to alert, plus comp, vans and tools, for installers growing into access control and monitoring.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A drilled pipe, a fall, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a two-story office with water spraying from a drilled pipe beside a new camera upstairs, a toppled ladder under a half-installed dome camera in the lobby with a purple alarm tester on the floor, and a work van with a smashed side window, its back bumper against a bollard

general liability

A drill for a camera mount hits a water line

Water damage to the customer’s building.

workers’ comp

An installer falls mounting a ceiling camera

Medical bills and lost wages.

commercial auto

The van backs into a bollard

Damage you cause on the road.

tools and equipment

The testers get stolen from the van

Tools and gear, on the job or on the road.

general liability

A drill for a camera mount hits a water line

Water damage to the customer’s building.

Examples. Your policy sets the details.

the work changes
what we check.

Alarm installs, access control and monitoring carry different risks. Pick yours.

Alarm and surveillance

The install, and what it promises.

We check how a claim that a system missed an event lands, and match your professional coverage to the contracts behind the service.

we check first: Failure to detect wording. Illustrated wall with a bullet camera on a bracket, a ceiling motion sensor and an alarm keypad, a coil of low-voltage cable and a purple cordless drill on the floor

alarm and security businesses
usually carry.

Put them on one program and we shop them together at every renewal.

a leak on the install?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Northgate Security

your options

$14,200a year, 5 policies

3 options, same coverage

Option A$14,200

Option B$15,600

Option C$17,400

6 installers4 vansCharlotte, NCClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

get started

guides
installers ask for.

The coverage behind the install, the system and the network.

growing by
acquisition?

Buying another alarm and security shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about alarm and security insurance.

What insurance does an alarm and security business need?
Most alarm and security contractors carry general liability, workers’ comp, commercial auto and tools coverage, and facility managers ask for proof of liability before site access. Professional liability and cyber come up once design, programming, monitoring or network access is part of the work. Crime, property and umbrella coverage can follow as contracts grow.
What affects the price of alarm and security insurance?
Mainly the systems you install, your residential and commercial mix, monitoring, design responsibility, fire interfaces and working height, plus revenue, payroll, vehicles, inventory and claims history. Limits and deductibles move it too. We read the exclusions alongside the premium, so you compare more than the payment.
Why do monitoring and limitation-of-liability terms matter?
A claim that a system failed to detect, communicate or control an event can be a large loss. Who monitors, what response you promise, the customer contract, hold harmless wording and any limit on damages all shape how that claim lands. We read those terms next to your professional coverage before the contract is signed.
Does general liability cover a system that fails to work?
Not always. General liability is built for injuries and damage to someone else’s property, and a claim that a system you designed, programmed or monitor didn’t perform can fall outside it. Professional liability is built for that gap. The policy wording and your contracts decide where the line falls.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA