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3 DAY CANCELLATION NOTICE NOT REQUIRED
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Ken,
      We purchased and use your Standard Form Agreements including the “Notice of Cancellation“ (3 day) form.  If a new subscriber orders and pays for an alarm system, totally online, including full payment, and then schedules our tech for the professional install, do we need to have them sign the three day form?  A signature on that form would not even occur until the tech is at the location to do the install, after they have had the new subscriber sign the alarm contract.  Nobody from our firm ever visits the ‘prospect’ to sign a sales deal, per se. The sale is transacted and paid for totally online.
Dave
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Response
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       The 3 day notice of cancellation is often referred to as the 3 day cooling off period and is found in "door to door" sales statutes.  It was originally intended to give a home owner time to cancel after having been pressured into buying something.  Unless you have a state that addresses electronic agreements executed online without any sales person visiting the premises prior to execution, I don't think the 3 day notice or the cancellation form is necessary.
        I suppose if you aren't getting anyone to the premises to do work within the 3 days of the online execution it wouldn't hurt providing for an online notice and cancellation form.  That procedure may avert your tech getting to the premises only to be told that the homeowner changed their mind.  

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INSURANCE COMPANY QUOTES
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Ken

    I have a small alarm co. always looking to save money.  Can you recommend any insurance companies to get a quote from?
Thanks 
JC 
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RESPONSE
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      You can get a list of insurance companies and brokers on The Alarm Exchange.  SARRG is the only carrier you can call direct and you may find it has the least expensive premiums.  Any broker listed in The Alarm Exchange is highly qualified to get you alarm insurance.  Shop around because the prices do differ and some carriers are, in my opinion, less desirable.  I like SARRG, Zurich and Philadelphia.  Not too happy with Hartford or First Mercury.  My preferences are for the most part based on how the carriers handle the claims when they come in.  You are focused on premiums for now, so look for best price.

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MASS AG PERMITS COMCAST TO SELL DIY WITHOUT LICENSE
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Ken,
After MASS Attorney General ruled Comcast can sell [wireless security systems] without a license and permit, reported in SSI,  isn't it highly unlikely that a claim based on the lack of license or permit against another company installing (or selling for DIY) wireless security systems in MA will prevail?  What about the other 49 states?   How strong of a defense will the MA AG's ruling that the [Comcast’s Xfinity system]  “does not constitute a security system”  be in another state?
Thank you, Sincerely,
Lior Rubin
Global Security Systems
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RESPONSE
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      I haven't read the Attorney General's decision, and I don't know what kind of equipment or monitoring service [if any] Comcast sells in Massachusetts.  To answer your first question, any other company selling similar equipment will not require a license.  Other states are not affected by this MA ruling.  When the MA Attorney General determined that the Comcast system was not a "security system" the AG was using the definition of "security system" found in the MA licensing statute.
      My guess is that the MA licensing law is directed at electrical work and low voltage work.  I guess Comcast's equipment is entirely wireless and may not even be powered by a 110v outlet, but plugged into a computer for internet access.  In any event, states define alarm and security systems differently and focus on different aspects of the alarm industry in addressing licenses.  Each state needs to be reviewed within the context of the system being offered and sold and the services being provided in regards to that system.  That's why my firm has an Alarm License Department.
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