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Installing an anti-intrusion fog generator is, first and foremost, a security decision. But many business owners ask themselves a legitimate question: could this investment also affect their business comprehensive insurance premium? The short answer: Yes, in the vast majority of cases — provided that the installation is properly documented and certified equipment is used.

Here’s what insurance companies actually look for, how to present your claim, and why Density certifications make all the difference in this process.

What insurers really look for

An insurer assesses the risk associated with your premises based on several criteria: the location, the nature of your business, the value of your stock, and the active protective measures in place. An alarm system on its own has become the bare minimum; it no longer necessarily results in a discount.

What makes the difference today is the active protection — that is, a system capable of physically neutralising the intruder rather than merely detecting them. The Density® fog generators fall squarely into this category. Unlike an alarm, they do not give a warning: they have a direct impact on the course of the burglary, rendering the premises unusable to the intruder within seconds.

For an insurer to cover this equipment, two conditions are generally required:

Equipment certification. Insurers who factor in fog generators when setting their premium rates require certified equipment. The Density® range (models 390 to 2400IP) is certified to EN50131-8:2019 and NF&A2P version 2019 cyber. These certifications are issued by accredited independent bodies and constitute the only common language between security installers and the underwriting departments of insurance companies.

Installation by a qualified professional. A generator installed without a documented installation report from a trained installer has no contractual value in the eyes of an insurer. INNOV SÉCURITÉ’s network of partner installers always issues an installation certificate, which is essential for your claim.

What practical impact will this have on the premium?

There is no single official scale: each insurance company applies its own scale. In practice, we see that:

Insurers specialising in high-risk businesses (jewellers, tobacconists, chemists, petrol stations) apply discounts ranging from 10% to 30% on the theft/vandalism cover under the comprehensive insurance policy, provided the premises are fitted with a certified fog generator. This discount can often be combined with discounts for alarm systems, CCTV and remote monitoring.

Certain specific contracts (for example, agreements with professional associations such as tobacconists) now include explicit clauses listing fog generators among the types of equipment that reduce the subsidy.

In summary: the premium reduction is not automatic, but it is available for high-risk premises. The key is to submit a complete application to your insurer: a technical specification sheet for the installed model, certificates of compliance, and proof of installation by a qualified technician.

NF&A2P Cyber certification: the deciding factor

La NF&A2P certification, 2019 version (cybersecurity) is now the most stringent on the market. It covers not only the physical performance of the generator (density, saturation time, non-toxicity), but also its resistance to cyberattacks. Put simply: a burglar cannot disable the system remotely by hacking into the alarm control panel.

This is an argument that insurers understand. With the rise in «planned» burglaries (where the intruder carries out a reconnaissance mission beforehand and disables the alarm before breaking in), insurance companies are beginning to distinguish between cyber-secure systems and conventional ones. A Density 390 or 900 NF&A2P cyber certification places your premises in a risk category that is objectively lower.

How should you submit the claim to your insurer?

Here is what you need to have ready before contacting your insurance company:

Le Certificate of Conformity to EN 50131-8:2019 and the certification form NF&A2P for your model. These documents are available on the Density Certifications and Warranties page or from your installer.

L’certificate of installation signed by a qualified technician, stating the model number, the area covered and the date of installation.

Le annual maintenance contract if you have taken out one. Some insurers make the continuation of the discount conditional on proof of regular maintenance.

Once you have compiled this file, ask your insurer for an amendment to your current policy. If your insurer does not recognise this equipment despite the certifications, it is often a sign that they do not specialise in high-risk commercial insurance — and that you should seek quotes from other providers.

Conclusion

A Density fog generator is no substitute for your insurance policy, but it can significantly improve your premium rates. The EN50131-8 and NF&A2P cyber certifications provide the technical documentation your insurance providers are looking for. A documented professional installation is an essential requirement for this argument to be accepted.

Contact INNOV SÉCURITÉ to obtain all the certification documents required for your insurance application, and to be put in touch with a partner installer in your area.