You’ve invested in protecting your physical assets in South Jersey—now make sure that investment pays you back.
For many business owners in Southern New Jersey, Southeast Pennsylvania, and Delaware, specifically in the manufacturing and industrial sectors, insurance premiums are a top-three line item expense. Yet, we frequently see clients throughout Gloucester County and the Delaware Valley leaving money on the table because their insurance carriers are unaware of the sophisticated security measures they have in place.
Insurers calculate premiums based on risk. If you have installed a robust security system but haven’t properly documented it for your broker, you are paying for risk that no longer exists.
At Systems Integrations, serving businesses throughout the Delaware Valley, we help our clients bridge the gap between technical security and financial compliance. Here is your guide to proving your system’s worth and securing the discounts you deserve.
What Insurers Actually Look For
Simply telling your broker “we have cameras” is rarely enough to move the needle on your premiums. Underwriters need specific, verifiable proof of risk mitigation.
- Professional 24/7 Monitoring (The Big One)
This is the single most important factor. An unmonitored alarm that rings into an empty building is of little value to an insurer.
The Requirement: Insurers want to see that your intrusion and fire systems are connected to a UL-Listed Central Station. This guarantees that if a sensor trips, emergency services are dispatched immediately, limiting the payout for damages.
At Systems Integrations, all our monitored systems connect to CMS (Criticom Monitoring Services), a UL-Listed central station providing 24/7 professional monitoring for businesses across New Jersey, Pennsylvania, and Delaware.
- Fire and Burglar Integration
While theft is a concern, fire is the catastrophic loss insurers fear most.
The Requirement: A commercial fire alarm system that is monitored and tested annually. If your security system integrates smoke and heat detection with your intrusion panels, you qualify for “bundled” protection discounts which are typically higher.
- Audit Trails and Access Control
For manufacturing plants in Camden, Gloucester, and Delaware counties, liability is often internal.
The Requirement: Electronic Access Control (card readers) typically lowers premiums for Employment Practices Liability and Theft coverage. It proves you can restrict dangerous areas to qualified personnel only and produce a time-stamped log of who was where, and when.
Our PDK cloud-based access control systems provide detailed audit trails that insurance underwriters value highly.
The Manufacturing Edge: Workers’ Comp & Liability
For our manufacturing clients throughout South Jersey and Southeast PA, the savings potential goes beyond property theft.
Workers’ Compensation Defense: Manufacturing environments are high-risk for injury. High-definition video surveillance from NDAA-compliant manufacturers like Hanwha and Rhombus is your best defense against fraudulent workers’ comp claims. If you can prove an “accident” was actually negligence or a staged event, you save your insurer tens of thousands of dollars—a fact they will reward you for.
Environmental Monitoring: Do you have temperature sensors in your server room or flood sensors in your warehouse? These “environmental” zones on your security panel prevent inventory loss and are a major green flag for underwriters.
Actionable Guide: Documenting Your System
To get the discount, you need to speak the insurance company’s language. Do not wait for your annual renewal; you can submit this “Proof of Protection” package today.
Step 1: Gather Your Documents
Ask Systems Integrations or your current provider for the following:
- Certificate of Installation: A formal document certifying the system type, installation date, and coverage areas
- UL Certificate: If your system is UL-certified (often required for high-risk jewelry or electronics manufacturing), this is non-negotiable
- Monitoring Contract: Proof of active, paid-up 24/7 monitoring
- NFPA 72 Inspection Report: Your most recent annual fire inspection report
- State Licensing Verification: Systems Integrations is fully licensed in NJ, PA, DE, and FL—verifiable through state databases
Step 2: The “Risk Mitigation Review” Call
Don’t just email the documents. Call your broker and ask for a “Risk Mitigation Review.”
Script:“We have recently upgraded our facility’s security infrastructure to include monitored fire detection, perimeter surveillance, and access control. I want to submit our certificates of installation to see how this impacts our risk profile for Property and General Liability.”
Typical Discount Ranges by Industry
While every carrier is different, here is what we typically see for verified, monitored systems:
| System Type | Typical Discount Range | Best For |
| Unmonitored Cameras/Alarm | 0% – 2% | Small Retail / Office |
| Monitored Burglar Alarm | 5% – 10% | General Business |
| Monitored Fire & Burglar | 10% – 15% | Warehousing / Logistics |
| Full Suite (Video + Access + Fire) | 15% – 20% | Manufacturing / Industrial |
Why Proper Licensing Matters for Insurance Claims
New Jersey businesses should be aware: using an unlicensed security contractor can void your insurance coverage entirely. New Jersey law requires all security system installers to hold a valid electrical contractor license with security endorsement.
Systems Integrations holds all required licenses in New Jersey, Pennsylvania, Delaware, and Florida. Our compliance ensures your insurance claims will never be denied due to improper installation or unlicensed work.
We Can Help You Build Your Case
If you are unsure if your current documentation is up to par, or if you need a fresh Certificate of Installation, let us help.
Systems Integrations can perform a system audit and generate a comprehensive “Insurance Compliance Report” for you to hand directly to your broker. With over 25 years of experience and Security Industry Association Cybersecurity Certification, we understand exactly what underwriters need to see.
Serving businesses in Gloucester, Camden, Salem, Cumberland, Cape May, Atlantic, Burlington, Ocean, Mercer counties in NJ; Delaware, Chester, Lancaster, Philadelphia, Montgomery, Berks, Bucks counties in PA; and New Castle County in DE.
Stop paying for risk you have already eliminated. Contact Systems Integrations today to get your paperwork—and your premiums—in order.