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indemnity
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Ken,
    In response to Stuart Rosenberg’s question [Jlu 18, 2012 article] regarding broad indemnifications language exceeding the protection provided by their insurance, most policies written for alarm companies have defined contractual liability as well as an insured contract and the language usually states that an "insured contract" does not include that part of any contract agreement that indemnifies the indemnitee for liability resulting from his sole negligence.
    I would encourage alarm companies to review the verbiage in their policy regarding the contractual liability limitations as well as double check and make sure that there is no endorsement that requires a signed standard alarm agreement to trigger coverage in the event of a loss (contract warranty).
    The email forum that you provide to thousands in our industry is educational, informative and greatly appreciated by many, thank you!
Kind regards,
Alice Cornett Giacalone, Senior Vice President
Central Insurance Agency
(800) 917-2542
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Response
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    Alice's suggestion that you check your insurance policy and coverage is good, but I have a better idea.  Call Alice and ask her to check it out and let you know if you're properly covered.  
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more on NYC fire - time to take the class
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Dear Ken:
    From your newsletter of July 17, 2012:
    SG, Past President  of NYFAA was right!  “The state license is a precursor requirement indirectly for this new Certificate of Fitness.”
    Business of Installing, Servicing or Maintaining Security or Fire Alarm Systems, Article 6-D, General Business Law (June 2012), indicates a license is required everywhere in New York State including New York City. [While NYS has a population of over 1,000,000 and there is a provision in the license law {§69-z. Applicability 1. The provisions of this article shall not be construed to limit in any way the authority of a city with a population of 1,000,000 or more to enact, implement and continue to enforce local laws and regulations governing home improvement contractors and their agents or employees that were in effect prior to the effective date of this article, or to enact, implement and enforce any amendments thereto after the effective date of this article.} NYC has chosen to make the New York State license their de-facto license in all five boroughs of NYC and has not enacted a separate Home Improvement Contractor License.]
    The Metropolitan Burglar and Fire Alarm Association of New York, Inc., (MBFAA) has been in existence since 1976 and has been providing a New York State, Department of State, Bureau of Educational Standards, approved license course since the beginning of the license law requirements.
    MBFAA knows the importance of fire alarm companies getting their FDNY Certificates of Fitness, S-97, and the prerequisite New York State License.
    MBFAA has scheduled the 81 hour NYS approved license course (“The state license is a precursor requirement indirectly for this new Certificate of Fitness.”) for the first available weekends after the summer, starting Saturday, September 8, 2012 right here in New York City!
    To get the complete course information and sign up for the class, your readers can visit www.mbfaa.com  or http://www.mbfaa.com/NYS_License_Course_2012.htm.
Sincerely,
Alan Glasser, Executive Director
METROPOLITAN BURGLAR & FIRE ALARM ASSOCIATION OF NEW YORK, INC.
PO Box 54, Brooklyn, New York 11204-0054
(718) 894-6712
mbfaa.ny@gmail.com    
www.mbfaa.com
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