Alarms--Security Systems--Monitoring

What Does GL Code 91130 Cover?

ISO GL class code 91130 specifically covers businesses engaged in the monitoring of security systems, including burglar alarms, fire alarms, and other surveillance systems. This code applies to operations where the primary service is receiving signals from alarm systems and dispatching appropriate responses, rather than the installation or maintenance of the physical systems.

Who Uses This Class Code?

Businesses that fall under this code include central station alarm monitoring companies, remote video surveillance providers, and security operations centers that provide 24/7 monitoring services for residential and commercial clients.

Common GL Claims for This Class

Common claims for security monitoring businesses include failure-to-notify claims where an alarm event is not relayed to authorities, leading to increased property damage or loss, and privacy breaches if monitoring systems are compromised.

Coverage Tips for Code 91130

• Ensure your policy includes errors and omissions (E&O) coverage, as this is critical for claims arising from monitoring failures.
• Verify that your general liability policy specifically covers contractual liability for monitoring agreements.
• Implement robust data security measures to protect client information and reduce cyber liability risks.
• Regularly review and update your monitoring protocols to align with evolving technology and regulatory standards.