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comments on insurance for fire alarm and fire suppression June 27, 2017

KEN KIRSCHENBAUM, ESQ
ALARM - SECURITY INDUSTRY LEGAL EMAIL NEWSLETTER / THE ALARM EXCHANGE
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comments on insurance for fire alarm and fire suppression
June 27,  2017
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comments on insurance for fire alarm and fire suppression from June 10, 2017 article
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Ken
    On your 6/10/17 question from the company doing work in both the alarm and sprinkler/suppression areas looking for insurance options: while there is more risk in that combo, there are definitely more avenues available than just the three he listed.      
    We’ve gotten Fire Sprinkler/Suppression work covered under an alarm company’s general liability policy, other times we’ve set up a separate policy for that work, it really depends on the percentages of work in each area, and the claims history involved.  This is a good example of a scenario where it helps to have a broker that shops for you rather than an agent tied to just one insurer.
Thanks,
Larry St John, CIC
Eclipse Marketing & Insurance Services
lstjohn@eclipseinsurance.com
707.469.6776 x102
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Ken,
    In response to Insurance for alarm and fire suppression, most of the alarm specific insurance programs specifically do not want any fire suppression work being done.  Unless there is a rare exception like very limited Fire Suppression work or a very large account, you have to approach a carrier that has the Fire Suppression Program and they would pick up both the Alarm & Fire exposure on their General Liability and E & O form.  A few carriers that have these programs would be Rockhill, Scottsdale and Everest, however the fire suppression market is even more limited than the alarm only insurance markets so it will depend on specifics (claim history, company size, ops breakdown, etc.)
    Thanks
Jeff Schulz
J.Krug & Associates, Inc.
Relax. You're Covered.
Insurance, Risk Management, Financial Services                                             
Mount Prospect, IL 60056
(847) 818-7508
www.jkrug.com
jschulz@jkrug.com
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Response
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    Thanks to these brokers who took the time to contribute their expertise.  See their listing on The Alarm Exchange.  One bit of advice - getting fire alarm or fire suppression insurance coverage is going to be easier if you have the Fire All in One [for fire alarms] and the Fire Protection All in One [for suppression]
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Ken Kirschenbaum,Esq
Kirschenbaum & Kirschenbaum PC
Attorneys at Law
200 Garden City Plaza
Garden City, NY 11530
516 747 6700 x 301
ken@kirschenbaumesq.com
516 747 6700
www.KirschenbaumEsq.com
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