Low voltage risk and coverage review

A straight read on your program, before anything is sold.

A complimentary review for security and low-voltage integrators. We read your customer contracts against your policies and show you where they don't line up.

Book a 30-minute call See what we read

Free review. Not a quote request, and you don't have to move anything.

What a coverage read looks like

The customer contract on the left, your policy on the right.

Coverage read: contract vs. policy

SAMPLE

Hospital access control subcontract, Exhibit B

B.1 Subcontractor shall maintain commercial general liability of $1,000,000 per occurrence.

B.2 Professional liability covering design, programming, and monitoring of not less than $2,000,000.

B.3 Subcontractor waives all rights of subrogation against Owner and Contractor.

GAP

Your policy, declarations

General liability: $1,000,000 each occurrence, $2,000,000 aggregate.

Exclusion: professional services. No E&O policy in force.

Waiver of subrogation: blanket, where required by written contract.

GAP

Findings summary

E&O for your work
GL excludes professional services. The contract asks for $2M.
GAP
Contract limits
Capped at the contract price, subro waived.
FITS
GL class code
Rated as electrical. Most payroll is alarm installation.
THIN

Why it matters

Low voltage programs rarely fail at renewal.

You added monitoring revenue, took a hospital access control job that asks for $2 million in E&O, and started managing customer systems from the cloud. The policies renewed, and nobody checked whether they still fit.

Programs fail when a customer says the system didn't work and an adjuster reads the professional services exclusion on your GL. This review does that reading first.

What we read

Most reviews stop at the certificate. This one reads the paper.

Your customer contracts

The limitation of liability, the waiver of subrogation and the insurance exhibit, read against your GL and E&O.

How GL and E&O fit together

Whether a programming error or a missed alarm lands on a policy, and where the retro date sits.

Classification

Whether GL and comp codes match the work you actually do.

Remote access and cyber

The admin logins your techs hold to customer systems.

Tools and vans

Equipment on job sites, and hired and non-owned auto.

How the review works

Four steps, and you decide what's next.

1
Map the operation
A 30-minute call on the work you do and what you monitor.
2
Read the paper
Declarations, your GL and E&O forms, and your toughest customer contract.
3
Benchmark it
What a sound program looks like for your size and service mix.
4
Walk through it
A written findings summary, reviewed together. You decide what's next.

What you get back

A one-page findings summary.

Each item is marked fits, thin, or gap, with the reason and the fix.

SAMPLE

Item	What the paper says	Status	What it takes to fix
E&O for your work	GL excludes professional services. No E&O in place.	GAP	E&O naming design and monitoring.
Contract limits	Capped at the contract price, subro waived.	FITS	Confirm sales still sends this version.
GL class code	Payroll rated as electrical. Most of it is alarm installation.	THIN	Reclassify, with the payroll split documented.
Remote access	Techs hold admin logins for 60 customer sites. No cyber policy.	GAP	Cyber that responds to claims from customers.

E&O for your work
GAP
What the paper says
GL excludes professional services. No E&O in place.
What it takes to fix
E&O naming design and monitoring.
Contract limits
FITS
What the paper says
Capped at the contract price, subro waived.
What it takes to fix
Confirm sales still sends this version.
GL class code
THIN
What the paper says
Payroll rated as electrical. Most of it is alarm installation.
What it takes to fix
Reclassify, with the payroll split documented.
Remote access
GAP
What the paper says
Techs hold admin logins for 60 customer sites. No cyber policy.
What it takes to fix
Cyber that responds to claims from customers.

Illustrative example. Your summary reflects your own program and your own contracts.

The first step

Book a 30-minute call.

How your company runs, and whether a review is worth doing. Best done 90 to 120 days before renewal. No fee, and no expectation that you move anything.