Alarm Installer Insurance

Business insurance that works when you do.

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Alarm Installer Insurance - Simplified.

Why do I need an Alarm Installer Insurance policy?

As an alarm installer, you take measures to provide security systems for individuals and families so that they can feel protected from potential hazards. Of course, no one puts themselves or their families at risk intentionally, but nobody can anticipate all the unknown variables or simple accidents that can happen.

The same applies to your profession. That’s why you need Thimble’s Alarm Installer Insurance.

While you ensure the safety of others, have you taken the necessary measures to protect yourself? It’s impossible to plan for every possible outcome to give yourself peace of mind. That’s why you need Thimble Alarm Installer Insurance.

Say, for instance, that your client becomes a victim of a break-in and claims that the response time of the system you installed was delayed. They could attempt to hold you liable for their damages and losses. Now, not only could you lose time and resources dealing with the lawsuit, but your reputation could suffer from the implication that you failed to provide an effective alarm system.

Or what if, while installing an alarm system, you leave behind a set of tools that your client ends up tripping over. It was a harmless mistake, but they injure themselves in the fall. Now they file a claim against you for bodily damage, even if you had warned them that you’re leaving your equipment in the doorway beforehand.

Taking responsibility for others’ safety can be a stressful endeavor. An error or oversight could have frightening consequences. You should be able to focus on your craft without the constant anxiety of a costly mistake. Take a page out of your clients’ book, and actively safeguard your business.

By purchasing Thimble’s General Liability Insurance, you can mitigate the risks you face when on the job. You wouldn’t advise a customer to wait until after a burglary to install an alarm. Treat your business the same way with Thimble.

How much does Alarm Installer Insurance cost?

Thimble aims to provide incredibly affordable insurance by implementing a pay-when-you’re-working structure. This means that you’re only ever paying for insurance during the hours you’re actively working.

The rate is based upon your location, the size of your crew, your policy limit, and the length of your desired coverage—choose a policy by the hour, day, or month.

If you want to add Additional Insureds or generate more than one COI, this is completely free. Thimble saves you money because our policies only work when you do.

Get a Quote

Protect your alarm installer business with flexible, affordable, and on-demand coverage from Thimble. Get your free Alarm Installer Insurance quote now.

What is covered under the Alarm Installer Liability Insurance policy?

Thimble’s Alarm Installer Insurance is structured to protect you from situations like the following:

Bodily Injury

While installing a security system, you leave the client’s home to take a call. Having left an exposed hot wire open, the client goes to poke around and is electrocuted. He expects you to pay for the ambulance and ER visit.

3rd Party Property Damage

While installing a security system, you leave the client’s home to take a call. Having left an exposed hot wire open, the client goes to poke around and is electrocuted. He expects you to pay for the ambulance and ER visit.

Defense Costs

You installed a security alarm system in a customer’s house. A break-in occurs when the family is away, and the burglars can escape with a host of prized possessions. The homeowners claim that the system didn’t have a fast enough response time. They choose to file a lawsuit for the property damage, and you’re forced to hire representation.

Medical Coverage

You drop a heavy tool needed for installation, and it ends up breaking the window installer’s foot. Angered, she wants you to pay for the medical bill.

How quickly can I get a Certificate of Insurance?

Thimble can provide you a Certificate of Insurance in a matter of seconds. As soon as you input the few pieces of relevant information, we’ll generate a free quote outlining the cost of your coverage.

Once purchased, your COI is delivered directly to your email inbox.

Is there a job you just booked unexpectedly? The property manager or homeowner is likely going to want to see proof of insurance. If that’s the case, you can show it to them directly from the Thimble mobile app.

Additionally, you can cancel an hour prior to the term set forth by the policy at no charge whatsoever to you.

If you need to make changes, you can add Additional Insureds, again for free, directly from the Thimble app. That’s total flexibility.

What are the Alarm Installer Insurance policy limits?

Thimble offers an Alarm Installer Insurance policy limit of $1 million or $2 million. While it might depend on your business’s individual needs, there isn’t a substantial difference in prices between the two. For alarm installers, it may be better to be overly cautious.

Are workplace injuries of my staff covered?

The policies described only cover third-party claims. If you’d like to protect your employees and subcontractors, you should invest in a workers’ compensation policy.

Does Thimble’s Alarm Installer Insurance cover damage to my equipment?

General liability insurance does not cover damage to your equipment. Consider purchasing a commercial property or auto insurance policy (for a company vehicle) for coverage of your personal equipment.

How do I get Alarm Installer Insurance with Thimble?

All Thimble needs is a bit of information about your alarm installer business, your ZIP code, and how long you’re seeking coverage, whether by the hour, day, or month. From there, we’ll be able to generate a quote instantly that breaks down the price of your Alarm Installer Insurance.
You can purchase your policy and have your Certificate of Insurance sent to your inbox in seconds. Download the Thimble mobile app and get protected against whatever work throws your way.

Have questions? Visit our FAQ

Handymen + Contractor insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • AV Installation
  • Alarm Systems Installation & Repair
  • Carpentry
  • Carpentry - Interior
  • Carpet Cleaners
  • Closet Installation
  • Contractors
  • Debris Removal
  • Deck Building
  • Electrical
  • Fence Building
  • Finish Carpentry
  • Finishing Contractors
  • Flooring
  • Furniture Assembly (No Cribs or Bunk Beds)
  • Furniture Installation - Office
  • Furniture Refinishing
  • Glaziers
  • Gutter Cleaning
  • Handypersons
  • Interior Painting
  • Invisible Fence Installation
  • Locksmiths
  • Masonry
  • Millwork
  • Office Machine Installation and Repair
  • Painting & Siding
  • Piano Tuning
  • Seal Coating
  • Siding
  • Small Contractors including Finishing Contractors
  • Smart Home Installation
  • Surveillance System Installation & Maintenance
  • Surveyors
  • Swimming Pool Servicing (no construction)
  • Tiling
  • Upholstering
  • Wallpapering
  • Walls
  • Window Cleaning
  • Window Decorating

Optional Add-Ons

  • Appliance Installation
  • Chimney Cleaning
  • Concrete Construction
  • Exterior Painting
  • Floor Waxing
  • HVAC
  • Plastering
  • Plumbing (other than a leaky faucet or toilet)
  • Snow / Ice Removal
  • Sign Installation

Excluded Activities

  • Alarm System Monitoring
  • Assembly of Cribs or Bunk Beds
  • Fire or Water Mitigation or Restoration
  • Foundation Work or Repair
  • Grading or Excavating
  • Installation Servicing or Repair
  • Machinery or Equipment Repair (Other Than Office Machines and Household Appliances)
  • Performing Work over Three Stories in Height (30 feet)
  • Performing work for the oil and gas industry
  • Pool Construction
  • Roadside Assistance
  • Roofing Work or Repair
  • Street, Road and Highway Work
  • Those Specializing in Garage Door Installation, Servicing or Repair
  • Traffic Control
  • Welding
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details

With Thimble, get a policy in seconds so you can take on whatever’s next.

Policies start at just
Thimble Insurance customer Reis Taylor on roof for contractors and handyman insurance
"With an annual policy, you have to pay upfront, which can be difficult for a small business like mine. What distinguished Thimble was the hourly rate."
Reis T, Thimble Customer

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  • New Crew Member
  • Policy Extended
  • Additional Insured

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DISCLAIMER: The information contained on this page is intended to provide general information only. For specific legal advice, please contact an attorney. For advice regarding your particular insurance needs, you should speak with your broker or agent to ensure that you have the appropriate coverages and limits.