Home alarm monitored security discount proof — Ontario brokers

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What proof do insurers want for monitored alarm discounts?

Varies by carrier and MGA — often a monitoring certificate or letter showing the insured address, monitoring company, active/monitored status, and dates. Confirm the market’s current list before you quote the credit.

Is a yard sign or doorbell-app screenshot enough?

Usually no. Local/DIY systems and marketing flyers are commonly rejected when the discount requires professional central-station monitoring. Collect the document your market named.

When should brokers collect alarm proof?

Whenever the discount is quoted — ideally before bind. If an underwriter supplements after quote, add or reopen the checklist line before issuing at the discounted rate.

Can clients upload alarm certificates via guest link?

Yes — Hivi-X guest OTP upload keeps the certificate on the named line instead of an email attachment hunt.

Does Hivi-X apply discounts in rating?

No. Rating stays in BMS/carrier portal; Hivi-X holds supporting documents for CSR QC and export.

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