Alarms and Alarm Systems--Installation, Servicing or Repair

What Does GL Code 91127 Cover?

ISO GL class code 91127 covers businesses primarily engaged in the installation, servicing, or repair of alarm systems, including burglar, fire, and security systems. This classification encompasses the operations involved in setting up, maintaining, and troubleshooting various types of alarm and security devices for commercial and residential clients.

Who Uses This Class Code?

This code applies to security system installation companies, fire alarm contractors, burglar alarm service providers, access control system integrators, and businesses specializing in CCTV installation and maintenance.

Common GL Claims for This Class

Common GL claims for alarm system installers include property damage during installation, such as drilling into pipes or electrical wiring, and 'failure to detect' claims where an alarm system malfunctions or fails to activate during a covered event like a burglary or fire.

Coverage Tips for Code 91127

• Ensure your general liability policy includes coverage for 'completed operations' to protect against claims arising after installation work is finished.
• Verify that your Florida alarm contractor license is current and properly maintained, as this is crucial for underwriting and claims handling.
• Implement strict subcontractor agreements requiring them to carry their own general liability insurance and name your business as an additional insured.
• Consider obtaining Errors & Omissions (E&O) coverage, especially if your services include monitoring or design, to address potential claims from system failures.