KEN KIRSCHENBAUM, ESQ ALARM - SECURITY INDUSTRY LEGAL EMAIL NEWSLETTER / THE ALARM EXCHANGE You can read all of our articles on our website. Having trouble getting our emails? Change your spam controls and whitelist ken@kirschenbaumesq.com ****************************** first moves when getting a claim from subscriber for burglary January 15, 2026 ***************************** first moves when getting a claim from subscriber for burglary ***************************** Ken Our commercial subscriber suffered a burglary. The central station messed up; it's operator received an intrusion alarm and then tried to verify the break in by checking the cameras. Unfortunately the operator didn't check more than one camera and didn't see the illegal activity in real time. The subscriber is now looking to us to pay them. Subscriber's counsel is asking for all kinds of information and records. I feel like telling them it's the central station's fault, but as you know we indemnified the central station from claims. What should we do? We do have the commercial all in one signed and we do have insurance coverage. anon **************************** Response *************************** Your first move must be to notify your carrier. The carrier is entitled to prompt notice. Ideally your carrier will provide immediate advice and assistance. though most of you probably have not had that experience when you've gotten a claim and reported it. After notifying your carrier you should let the subscriber or its counsel know that you've notified your carrier and ask them to be patient for a response to their inquires. Settling the matter with the subscriber, for practical reasons, might make sense, but be careful not to make any admissions of guilt or liability; you are offering to settle merely as a matter of customer relations. This option won't be attractive to you if the claim is substantial, which you can define as in excess of your deductible and potential premium increases. Hopefully you have the Rider to Dealer Agreement in place so that your indemnity to the central station is capped at your insurance coverage. If not, hope the claim is within your coverage limits. ******************** STANDARD FORMS Alarm / Security / Fire and related Agreements click here: www.alarmcontracts.com *************************** CONCIERGE LAWYER SERVICE PROGRAM FOR THE ALARM INDUSTRY - You can check out the program and sign up here: https://www.kirschenbaumesq.com/page/concierge or contact our Program Coordinator Stacy Spector, Esq at 516 747 6700 x 304. *********************** ALARM ARTICLES: You can always read our Articles on our website at ww.kirschenbaumesq.com/page/alarm-articles updated daily ******************** THE ALARM EXCHANGE - the alarm industries leading classified and business exchange - updated daily ************************* Wondering how much your alarm company is worth? Click here: https://www.kirschenbaumesq.com/page/what-is-my-alarm-company-worth ****************************** Getting on our Email List / Email Articles archived: Many of you are forwarding these emails to friends or asking that others be added to the list. Sign up for our daily newsletter here: Sign Up. You can read articles and order alarm contracts on our web site www.alarmcontracts.com Sign up for emails from our Mail Chimp service: http://eepurl.com/i-Opgw ************************** 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 www.KirschenbaumEsq.com
