Insurance Cover

[ian.cant]

It is for any approved company and IMO only the foolhardy would install without it!

Depends what your installing?

[Guest RJBsec]

Depends what your installing?

Not for me it doesn't, the world is more litigious than it's ever been and everyone is out to make a buck on the back of some perceived 'failure' - IMO it's a brave or foolhardy man who takes the risk.

I can see issues with intruder, cctv and access which might lead to a costly claim by the client or their insurer.

[ian.cant]

Roger i get the intruder aspects but what about the CCTV & Access, care to edumacate me on them lines?

[Chorlton]

Roger i get the intruder aspects but what about the CCTV & Access, care to edumacate me on them lines?

simply: failure to perform

your paid to install a working system and through no fault of the components it does not perform as required and a loss is incurred.

rightly or wrongly customer sues you, without efficacy cover it's up to your deep pockets to protect everything you've worked for.

[Guest RJBsec]

simply: failure to perform

Indeed!

You design a cctv system to monitor vandalism at a works yard, PIR's cause ptz to zoom onto areas of fencing where vandals break through. Your design fails because your PIR's were too short on range to cover the fence near the diesel tank - overnight the fence is breached and the tank emptied into adjacent offices - the ARC had no indication.

You design an access control system linked to the fire alarm at a warehouse where there are night workers, a fire breaks out and some staff follow the exit route to the side entrance, the maglocks have not released and the breakglass isn't working as its been wired incorrectly and wasn't properly tested as you/your engineer was in a hurry to get home for tea - several staff are injured whilst trying to get out.

There are numerous possible scenarios where life or property are affected as a result of you equipment failing, your design being inadequate or you advice being faulty.

[A-G]

No insurance cover is fine for an unmarried one man set-up working from a council house. He's got so few possessions that he can afford the risk.

For me, I've got possessions worth a third of a million .... and I wanna keep 'em! .... ipso facto I need insurance that protects me in the scenarios indicated above.

... so my insurance costs me

[DirectFS]

No insurance cover is fine for an unmarried one man set-up working from a council house. He's got so few possessions that he can afford the risk.

Yup - if he's an idiot, frankly. Even he probably cannot afford to lose his business, credibility, and quite possibly his freedom.

For me, I've got possessions worth a third of a million .... and I wanna keep 'em! .... ipso facto I need insurance that protects me in the scenarios indicated above.

Do you have an approved alarm, sir?

Strictly, your insurance will replace them once gone, not help you keep them.........

... so my insurance costs me

[mojo]

Hi All,

I see there have been discussions in the past regarding the 'insurance game', how it works, what cover is required & whether efficacy cover is neccessary.

If anyone has any questions, please feel free to ask. I own an independant brokerage & specialise in the fire & security industries.

do u supply public liabilty insurense

[Chorlton]

do u supply public liabilty insurense

bit like asking if any member on here does alarms that one

YES, click on the link in Dales sig and all will be revealed!

C.

[DirectFS]

do u supply public liabilty insurense

Ummmmmm.......

Insurance Broker............

Whaddya reckon?

You don't touch live mains, do you?

Bill.