Insurance for low-voltage, security, and data cabling contractors.
General liability with errors and omissions, workers’ comp, auto, and tools for installers of security systems, access control, AV, and data cabling, including the system failure claims general liability leaves out.
What low-voltage contractors usually carry
- General liability, $1M / $2M
- Errors and omissions
- Workers’ comp
- Commercial auto
- Tools and equipment
- Installation floater
- Cyber liability
Watch for these in a low-voltage policy
- Systems that failWhen a break-in happens and the camera or alarm did not work, the claim is about how the system performed. General liability usually does not answer that. Errors and omissions is built for it.
- Alarm monitoringMonitoring alarms is a separate business from installing them. Many installer policies exclude monitoring unless it is listed.
- Lost data and downtimeNetwork and cabling work can bring claims for lost data or a client’s downtime. The standard general liability form excludes electronic data, so look for errors and omissions or cyber coverage.
- Line-voltage wiringPulling power for a camera, gate, or door strike can be electrical work. Some low-voltage policies are written for work under a set voltage and exclude the rest.
- Trenching and boringMost low-voltage policies assume you do no underground work. If you ever trench or bore to run cable, tell us before the job.
What GCs and building owners ask low-voltage contractors for
- Additional insuredGCs and owners, for ongoing and completed operations.
- Errors and omissionsSecurity and IT contracts often ask for a professional limit, separate from general liability.
- Cyber liabilityClients whose networks you touch sometimes require it.
- Waiver of subrogationOn general liability, workers’ comp, and auto.
Questions low-voltage contractors ask
Straight answers.
The questions we hear most, answered plainly.
Do low-voltage contractors need errors and omissions coverage?
Often, yes. A claim that a camera missed a break-in or a network went down is about performance, and those usually fall outside general liability.
Is alarm monitoring covered under my installer policy?
Usually not unless it is listed. Monitoring is rated as its own business, and some carriers write it only on a separate policy.
How is low-voltage insurance priced?
On revenue or payroll, the systems you install, whether you monitor, and your share of commercial work.
How fast can I get a certificate?
Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.
Can I pay monthly?
Yes. Most policies can be paid in full or monthly.
Contractors and trades
Related industries.
Don’t see yours? See every industry, or tell us what you do and we’ll quote it.
General liability, $1M / $2M, Workers’ comp, Commercial auto
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