Business Insurance COMMERCIAL

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Transportation Insurance TRUCKING (Transportation)

Browse a variety of commercial vehicle insurance options to find the right one for you.

Read More

image of smartphone controlling home

A Note From The Insurance Centers: Protecting your business is very important. Anything can happen and it can happen quickly. Using cameras or motion detectors can help protect your business and employees. Be sure to give us a call if you're looking for more information about business insurance! 


Whether you’re running a small business or a large one, security is a must. Not only for protection against unwanted intruders, but for insurance purposes. Understanding the elements that go into a burglar alarm system and how to grade them can be an important part of underwriting a property-helping the company reduce both the frequency and severity of losses.


Burglar Alarm Systems

The most common systems are contact switches and motion detectors. Contact switches detect the opening of doors and windows. Building entrances and exits are the most vulnerable to burglars, so contact switches that detect the opening of a door or window are often used.

Motion detectors are used to alert activity throughout the premises. There are two common types of motion detectors: active and passive.

Active motion detectors are radar based. They send out a sound wave that reacts when there is a disturbance in the environment.

Passive detectors use infrared energy. They detect heat from people and animals and make the alert. They are popular due to their lower false alarm problem.

Motion detectors and contact switches can be connected to a sound alarm and cameras that turn on when a sensor alerts.



Security cameras have been in use for many years and offer risk management and loss reduction. Before the loss, they can serve as a deterrent. Criminals tend to avoid locations with visible cameras, alarm systems, or lighting. During the loss, monitored cameras can alert law enforcement. After the loss, camera footage may facilitate the capture of those involved.

Cameras can also protect you from fraudulent slip and fall claims. The person intent on staging an injury may notice the cameras and go to another business that is not as protected. They can also be an effective way of disproving a fraudulent claim.

If there is workplace violence, cameras can aid in identifying the perpetrator. Workers compensation fraud can also be prevented by cameras being installed.  Placing cameras by the cash register can also pick up irregular handling of monies by an employee.


Article and photo courtesy of MSO.   

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015

View Mobile Version
Great American
Berkshsire Hathaway Guard
The Hartford
Philadelphia Insurance Company
© Copyright. All rights reserved.
Powered by Insurance Website Builder