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 ****************************** comment on subscriber without insurance June 26, 2026 ************************* comment on subscriber without insurance from article on May 25, 2026 ************************* Ken, When people say "insurance is too expensive" they need to look elsewhere. Insurance is an integral part of doing business. Without insurance, you shouldn't be in business. If you know a business operating without insurance, you shouldn't do business with them. Your story of the jewelry store is a perfect example of when to run. If a business can't afford insurance, they can't afford to have a business. Fortunately, for the security industry, there are very few incidents and claims which make insurance affordable. Reach out to a broker who understands the security industry, and we will make it affordable for you while not compromising coverages. Shawn Iverson, CIC The Insurance Center shawn@insurancecenterut.com www.TheInsuranceCenter.com 801 622 2626 ************************* Response ************************* That is a novel suggestion, don't do business with a subscriber who doesn't have appropriate insurance. It's an inquiry that I suspect most dealers don't bother to find out about, even though the K&K Standard Form Agreements require the subscriber to obtain and maintain appropriate insurance and name the dealer as an additional insured. There are reasons for this beyond the actual insurance coverage, but that's for another article. The lesson here is that if the subscriber has no where else to turn after suffering a loss your security or fire alarm company is a good choice. Don't leave yourself without contractual protection. And, if the subscriber doesn't have insurance, and even if it does, you better have appropriate insurance, and that includes general liability with alarm industry E&O coverage. Look no further than Shawn; he's an expert you can rely on. ************************** 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 ************************** 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
