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Meeting the Strict Security Requirements of Your Insurance Policy: A Comprehensive Guide for Construction Sites and Properties

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In the world of construction, events, parking lots, housing communities, public spaces, equipment yards, and critical infrastructure, the importance of having comprehensive insurance coverage cannot be overstated. And, whether you like it or not, insurance is often a REQUIREMENT with massive penalties for lacking coverage or even lacking “sufficient” coverage. 

Insurance provides a safety net for unforeseen circumstances, offering financial protection and ensuring that potential risks are mitigated. One crucial aspect of insurance policies for such sites and properties is security. In this blog post, we will delve into why insurance is required for construction sites and properties, explore the ten most common requirements of insurance policies, highlight the top five most strict security requirements that we’ve seen during our decades in the security industry, and demonstrate how Site Secure stands out in meeting these stringent criteria.  


Why is Insurance Required for Construction Sites and Properties? 

Risk Mitigation – Construction sites and properties are inherently exposed to various risks, including theft, vandalism, accidents, and natural disasters. Insurance serves as a crucial tool for mitigating these risks, providing financial coverage for potential damages or losses. 

Legal Compliance – Many jurisdictions mandate insurance coverage for construction projects to ensure compliance with legal requirements. Insurance not only protects the project owner but also plays a role in safeguarding the interests of workers, contractors, and the public. 

Lender and Investor Requirements – Insurance is often a prerequisite for securing funding from lenders or investors. Lenders want assurance that their investment is protected, and insurance provides the necessary financial safeguards. 

heavy equipment vandalism at a construction site in Phoenix, Arizona

What are the 10 Most Common Requirements of Insurance Policies?

While insurance policies may vary, there are ten common requirements that are typically included, if not required:

  1. Property Insurance – Protects against damage or loss of physical structures and assets.
  2. General Liability Insurance – Covers bodily injury and property damage claims resulting from operations.
  3. Workers’ Compensation Insurance – Compensates employees for work-related injuries and illnesses.
  4. Builder’s Risk Insurance – Provides coverage for damage to buildings under construction.
  5. Commercial Auto Insurance – Covers vehicles used for business purposes.
  6. Environmental Liability Insurance – Protects against pollution-related risks.
  7. Professional Liability Insurance – Offers protection against errors or negligence in professional services.
  8. Business Interruption Insurance – Compensates for lost income during periods of business interruption.
  9. Cyber Liability Insurance – Shields against data breaches and cyber threats.
  10. Security Requirements – Includes measures to prevent and mitigate security risks, such as theft and vandalism.


What are the Top 5 Most Strict Security Requirements of Insurance Policies?

Ever heard of TechnicalRisk Underwriters (TRU)? They are an insurance carrier with very stringent requirements for surveillance systems… and for good reason. TRU knows that not all surveillance systems are created equal. In fact, their surveillance requirements are so detailed, specific, and even strict, that Site Secure is one of the very few solutions that pass their “minimum performance requirements.” Here’s a non-comprehensive summary of those requirements:  

  1. Ability to provide surveillance services in all 48 contingent states.
  2. 100% coverage of site perimeter using a minimum of four (4) surveillance units.
  3. A minimum of three (3) cameras per tower to monitor the perimeter and the tower itself.
  4. Infrared (IR) technology for low-light conditions.
  5. Detect intruders (persons and vehicles) in real-time
  6. Camera feeds to have “automatic visual content analytic capabilities and zone calibration functionality to reduce false alarms.
  7. Monitoring of camera feeds during non-working hours, which must be triggered or “armed’ using a pre-determined schedule.
  8. Must have 24/7 real-time detection and monitoring of power, battery health, communication, camera connectivity, and device tampering and repositioning.
  9. Each tower must have GPS, relay alerts to the monitoring center directly, and a tamper-proof backup power source (minimum of 72 hours)
  10. Each tower must contain a 2-way audible speaker and strobe or lighting feature for deterrence. 
  11. Daily audits of camera connectivity and uptime.
  12. The monitoring center must be in the United States with TMA or CSAA Membership and Five Diamond certification.


Download The TRU Security Performance Requirements Brochure


How does Site Secure Meets Insurance Policies’ Strict Security Requirements? 

  1. Solar-Powered Mobile Surveillance – Site Secure’s innovative solar-powered mobile surveillance units offer a sustainable and cost-effective solution for 24/7 surveillance. These units are equipped with advanced cameras, IR illuminators, motion sensors, and alarms to detect and deter potential security threats.
  1. Access Control Integration – Site Secure seamlessly integrates access control systems and real-time alerts, ensuring that only authorized personnel can enter the premises. This enhances security and fulfills insurance requirements for controlled access.
  1. Smart Lighting Solutions – Site Secure’s systems incorporate smart lighting solutions, providing adequate illumination to deter criminal activities. Our red and blue strobes make the security presence known and deter would-be criminals.
  1.  Cutting-Edge Surveillance Technology – Site Secure continually invests in the latest surveillance technology, including artificial intelligence and real-time monitoring capabilities that cut out 99% of falst This ensures that our systems are at the forefront of security innovation, aligning with the strictest insurance requirements.
  1. Remote Management of Onboard Systems – Site Secure not only monitors the health of your site; we also monitor the health of our own systems and devices. We can see energy consumption, battery levels, camera uptime, image quality, and so much more. NOTHING happens without us knowing, which allows us to have the best camera uptime in the business, so your site is ALWAYS protected.
  1. American Made and Monitored – Site Secure’s surveillance towers are built in-house in the USA. Our monitoring center is in Phoenix, Arizona (not outsourced overseas), is a member of TMA (aka CSAA), and is Five Diamond certified.
  1. A True Security Partner – We always say this, and we mean it: the only thing better than our surveillance technology is our customer service. In addition to a mobile surveillance system that meets the minimum performance requirements of TRU, you have a true Security Partner in Site Secure. We answer the phone at all hours, respond to emails/texts quickly, and take an ACTIVE interest in the protection of your site. Check out our 5-star Google Reviews to verify.


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