"[SafetyCare's] focus is on the PERS part of the business," he said. "This is a product that over the next five or six years is going to be an extremely large growth market. We wanted a partner with a central station that is focusing primarily on that channel, and not being all over the place ... This partnership adds another channel of RMR to the residential market. SafetyCare is a great tool to help dealers close sales."I've written all kinds of stories on PERS legislation, and industry standbys like SafetyCare, and PERS newcomers with innovations like Vaica Medical and Medical Alarm Concepts. I've written stories about Acadian and American Two-Way and Visonic, and Bay Alarm Medical and GE... I've written a LOT of PERS stories. I'm sure I've forgotten to mention a lot of them by name, but you get the picture. If you've been thinking about making some more money... and who hasn't, now may be the time to check out how to get into PERS. Register today for SSN's PERS webinar and expand your possibilities.
National Sheriffs Convention Holds Workshop on 'Priority Response' The National Sheriffs Association June convention, attracting more than 4,000 sheriffs from across the United States, will include a workshop on Priority Response to Enhanced Video Alarms. The Priority Response concept avoids the negativity of local false alarm battles with fines/ordinances and instead focuses on a positive message, asking Law Enforcement, 'Would you give higher priority to Enhanced Video Alarms?' Instead of ordinances, the goals of priority response are simply a dispatch policy change: 1. Adoption of a special code by Dispatch Centers designating a higher priority response for Enhanced Video Alarms than standard alarms. 2. An email address in dispatch centers where participating central stations can send video clips of intruders for possible review by the dispatch operators. Example: VideoAlarm@citypolicedept.gov.â€ Keith Jentoft, a spokesman for the Priority Response initiative, and president of RSI Video Technologies Inc, explains that Enhanced Video Alarm is a generic category where the alarm system also delivers a short video clip to the central station who confirms the presence of an intruder. This is not surveillance, but an incremental step in the detect/notify process that alarm companies have been doing for decades. In addition to a standard alarm signal, central station operators view a video of what caused the alarm and dispatch accordingly. Jentoft states, 'These alarms can be delivered by at least three different technologies available from many manufacturers; the key is that Priority Response is a win for all security stakeholders. Law Enforcement gets more arrests, greater officer safety and more efficiency. Consumers have greater protection and life-safety and the industry is able to provide services that have greater value than "blindâ€ systems. Adding two-way voice makes the concept even stronger.'Sonitrol's always tweeting out news blurbs of how their audio-verified alarms bring the cops quickly and result in an apprehension... I wrote a story on the developing verification trend last year. Looks like this issue might be heating up. Keith had a valid point when he said, "rather than try and minimize a negative by dealing with the false alarms after they happen, why not try and maximize a positive" by embracing enhanced alarms to begin with and ensuring higher-priority police response? Is it time to get verified? Again from the NSA press release:
The Priority Response concept which has been embraced by Law Enforcement in Iowa, Illinois, Indiana, Alabama, Massachusetts and Texas has already had a positive impact on budgets and apprehensions.Keith's missive in Sheriff includes the following quote from an open letter from Calhoun County, Ala. Sheriff Larry Amerson (who is third Vice President of the NSA).
While Calhoun County Sheriffâ€™s Deputies will continue our current policy of responding immediately to all intrusion alarms, we believe that enhanced video alarms offer enhanced protection to you and help us in our efforts to keep Calhoun County citizens safe and protect their property. We believe that the delivery of a video of the specific event that triggered the alarm is a tremendous improvement in alarm technology that will lead to a reduction in false alarms saving valuable budget dollars. While we are not endorsing a specific provider or brand of product, we support the efforts of the security industry to provide their customers with the best protection possible and we look forward to being able to use enhanced video alarms to improve the life safety of our county.â€I'd love to hear what you all think about adding video or audio for verification. Chime in and let me know if you see a trend developing in your municipalities of police pushing for verification or no-response. Are municipalities around you charging alarm companies instead of the end user for false alarms?
The plan calls for several actions over the next decade, including the transition from a circuit-switched telephone network to an IP-based network. Section 4.5 of the plan suggests the FCC start a proceeding on the transition that asks for comment on a number of questions, including whether the FCC should set a timeline for a transition. The Section concedes that such a transition will take â€œa number of years.â€Many in the industry to whom I spoke felt the time was now to begin moving away from POTS dependence. I wrote about a new solutions from IP Alarms and Honeywell earlier this year. And this pic snapped on the ISC West show floor by my editor, Sam, sure shows that many are ready to move away from POTS and IP and move toward radio. From Section 4.5 of the Broadband Plan:
Increasingly, broadband is not a discrete, complementary communications service. Instead, it is a platform over which multiple IP-based servicesâ€”including voice, data and videoâ€”converge. As this plan outlines, convergence in communications services and technologies creates extraordinary opportunities to improve American life and benefit consumers. At the same time, convergence has a significant impact on the legacy Public Switched Telephone Network (PSTN), a system that has provided, and continues to provide, essential services to the American people. Convergence raises a number of critical issues. Consumers benefit from the options that broadband provides, such as Voice over Internet Protocol. But as customers leave the PSTN, the typical cost per line for Plain Old Telephone Service (POTS) increases, given the high fixed costs of providing such service. Between 2003 and 2009, the average cost per line increased almost 20 percent. Regulations require certain carriers to maintain POTSâ€”a requirement that is not sustainableâ€”and lead to investments in assets that could be stranded. These regulations can have a number of unintended consequences, including siphoning investments away from new networks and services. The challenge for the country is to ensure that as IP-based services replace circuit-switched services, there is a smooth transition for Americans who use traditional phone service and for the businesses that provide it.It's really not any wonder that AT&T is pushing for POTS requirements to be dropped. It gets more and more expensive to maintain that infrastructure that fewer and fewer people are using. In a January interview with me, Lance Dean, co-founder of 2GIG Technologies spelled it out pretty clearly: "Thereâ€™s 700,000 lines going down a month. If you do the math, thatâ€™s 8 million a year. In a few more years there wonâ€™t be any more landlines." I've got emails out to folks at AICC and ESA for further comment and will continue to report on this story.
The Award program added an additional Award this year, the Central Station Support Person of the Year Excellence Award. Is there an exceptional person in your organization other than the central station manager or operator, who makes your central station a better place--perhaps a data entry staff member, a trainer, the IT guru, the tech that fixes everything, the employee that keeps morale high? This Award recognizes the exceptional contributions of that person to the successful operation of the central station.The CSAA Excellence Awards recognize UL-listed central stations and their personnel who significantly contribute to the alarm profession while providing exceptional service to their customers and community. Judged by a blue-ribbon panel, the awards were established to honor those who have made the most significant contributions to the industry and promote the distinctive level of professionalism attained by UL-listed central stations. I wrote about last year's big winners, DGA Security last November. During the CSAA Excellence Awards ceremony at last year's ESX show in Baltimore, DGA was honored three times, including taking the Central Station of the Year award and the Central Station Manager of the Year award (awarded to DGA central station manager James Riti) as well as receiving an honorable mention for Central Station Operator of the Year (for DGA dispatcher Charles Balletto). Applications for specific awards must be sent to the CSAA by mail and your company's info spreadsheet can be emailed.
Here's how it apparently went down: In the early hours of March 14, an unknown number of thieves scaled the exterior walls of Eli Lilly & Co.'s Enfield, Conn. drug warehouse, cut a hole through the roof (how long must that have taken?), and repelled using climbing gear down into the stockpiles of antidepressants and antipsychotics therein. According to published reports, including stories from the WSJ, the Courant, the Associated Press and USA Today, the history-making thieves took at least a couple hours to locate at least a dozen wooden pallets of desired drugs, painstakingly hoist them up through the hole, load them into a waiting truck and calmly drive away. With $75 million in prescription drugs. That's not only the largest drug heist of its kind, it's also just the latest in a growing trend in recent years, according to an AP report. Far be it from me to blame anyone here, but one has to wonder how this could have happened. How long must it have taken to get this job done? These perps had to have been breaking in, and hoisting those pallets and loading that truck for at least a few hours. None of the published reports says how the in-place security system was circumvented, just that it was. Several reports mention lenses of security cameras being blacked out with spray paint (shouldn't there be tamper alarms on those?) and discs being removed from DVRs (oh, so it wasn't live surveillance but CCTV). I don't want to come off as a commercial, but in this particular situation, the in-place system was blind and deaf (and basically useless). I have to believe that a Sonitrol system would have picked up the sawing through the roof. I also have to believe that a 10-second video clip sent to the central station from a Videofied system would have been cause for dispatch. The point is--and I wrote about this back in October last year--if the alarm had been verified, things might have worked out differently. I'd love to hear from all of you on how this could have or should have turned out differently. And it's not just the drug company that's going to come out a loser here. Their insurance premiums are going to go up, which means drug prices might go up for consumers. The stolen drugs could be tampered with or stored improperly and resold and end up back in the marketplace and bought by unsuspecting consumers. And of course, the security industry in general is a big loser here... I love this line from a Hartford Courant story: "Police were dispatched to the warehouse Sunday about 1:50 p.m., when the theft was discovered, according to a police report. A state police dog was called in to search for suspects, but none was found." Really? That's because thieves (and especially ones as organized as these ones appear to have been) don't stick around till 1:50 p.m. and wait for you to realize the disc has been stolen from your DVR and that the only thing you can do is dispatch a dog to try and follow the scent trail of the criminals... which in this case ascends through the air and up through the ceiling where the dog can't follow. Maybe that sounds sarcastic. Maybe it is. I don't think this is a case where the powers that be should be congratulated for doing all they can. More should have been done by those charged with protecting the premises and assets beforehand. It does very little good to investigate a loss after the loss occurs. So far there are no suspects and no leads, just a whole bunch of people standing around scratching their heads. The WSJ piece also mentions the previous record holder for a drug heist was a $44 million job carried out when the drugs were in transit. My colleague Leischen has covered this growing trend, as well. The WSJ talks with Bob Furtado of Lojack's Supply Chain Integrity unit. I spoke with Bob last year about their move into more traditional security. Perhaps the message here is that good enough just isn't good enough any more. Perhaps it's time to verify all alarms. Perhaps it's time to stop protecting perimeters and locations and begin protecting individual people and assets. It's the security industry's job to see the need before the curve and before the loss occurs.
I agree with some of this, but DEATH is a little harsh. Sure there is new technology to make central stations more advanced and automated, but finding people to run these is getting shallower. I find that the alarm industry may still be lagging behind technology about ten years. Our company has already put traditional alarm systems as a third option and video and automation up front. With these two technologies (video & automation) the IT world is far more advanced than the traditional alarm industry. Our IT, costs less to run and costs less to maintain. With this said, the Mom & Pops can afford to maintain and their costs are minimal compared to the giants with their proprietary systems and slow growing technologies of traditional security systems.Michael said that the economies of scale available to larger players really didn't translate into huge savings and that the technology boom making consolidation possible was available to smaller, mom-and-pop outfits, meaning everyone could possibly win.
There is no question that these changes will affect how monitoring is done. The ability to have alarm information become so portable that it can be routed, processed, and stored anywhere in the world, in whatever is the most efficient manner, is exciting. I don't think, however, it is transformative in terms of its effect on the construct of the industry. First, an improvement in monitoring costs of something like 20 percent, while significant, doesn't translate into that big of a difference in the overall costs of handling the ongoing customer relationship. The majority of costs are, and probably always will be associated with field service, customer service, billing and collecting, and overheads. On a typical account, broadly speaking, a 20 percent improvement translates into something like $1 per month in lower costs...often times less. Larger players in the industry have had this type of cost advantage in their monitoring operations for many years. The offset, in many instances, is that smaller players can have a comparable cost advantage in their field service operations, and/or other aspects of their operations. Second, it seems clear that any improvements of this nature will be equally available to wholesale monitoring companies, many of whom appear to be well above the minimum size required to realize the largest gains in economies of scale, and have access to these technologies. This likely means that the smaller dealers will similarly be able to realize the benefits these improvements offer. Overall, I think the effect is evolutionary, rather than revolutionary when contemplating the impact on the overall competitiveness of the industry and its various players.Ed said there was probably no need to start a fire sale on your accounts and cash out before technology led to mega-consolidation.
Thereâ€™s a huge ramp up time involved in any type of new technology, especially as it relates to the most regulated portion of our business and thatâ€™s fire alarms. Fire alarms--the 2010 code was just printed, the ink isn't even dry on the book and someone's already predicting the demise of the central station? Central stations are important facets in fire protection ... and they're on a three-year code revision and so I donâ€˜t see any major changes coming any time soon. And once you have to have a central station for fire, securityâ€™s something very efficient to add, and video and access control are enhancing what the central station does, not replacing it.Ed also talked in my original story about the importance of customer care from a smaller operation, a point Rob made in his email as well.
You still canâ€™t beat the customer care from Mom & Pops. I see it all the time. Peace of mind isnâ€™t a number in a world wide database; its familiarization with personnel of a company and the service provided. Mom & Pops provide this very well. Iâ€™m sure that most people would rather reach the same person every time they called a service they use. I know I do. When I reach someone new I think Iâ€™m starting all over again. With Mom & Pops even if you reach someone new you still can get to Mom or Pop for the peace of mind you need.Thanks to all who chipped in on this discussion.
The Central Station Alarm Association (CSAA) invites you to a free webinar on Tuesday, March 30, 2010, 2:00 PM - 3:00 PM EDT on the subject of the Federal Trade Commissionâ€™s (FTC) 'Red Flag' Rules. The webinar will be conducted by Mary Sisak, partner at Blooston, Mordkofsky, Dickens, Duffy and Prendergast. Ms. Sisak is a co-author of a manual on Red Flag compliance.Signals makes it clear that this webinar will NOT be taped, so if you don't attend, you've missed the boat, so to speak. The FTC's Red Flag Rules require any company that extends credit to consumers to have in place some sort of identity theft protection plan... Now, while security companies are not banks or lenders, they DO often times offer payment plans, and other financing which amounts to credit. That means that you need to pay attention to the Red Flag Rules, the new deadline for which is June 1. Again, from Signals:
These rules require companies to implement procedures to detect, prevent and mitigate identity theft with respect to new and existing 'covered accounts.' A 'covered account' is a continuing relationship: (a) that a creditor offers or maintains with a person to facilitate the personâ€™s purchase of products or services primarily for personal, family or household purposes; and (b) that involves or is designed to permit multiple payments or transactions. In addition, a 'covered account' also includes any other continuing relationship that a creditor offers or maintains for which there is a reasonably foreseeable risk of injury (including risk of financial, operational, compliance, reputation and/or litigation injury) from identity theft: (a) to the customer of the account; or (b) to the safety and soundness of the creditor. The core of the program is the listing of various patterns, practices and specific activities (called 'Red Flags') which may indicate the possible theft of the identities of: (a) existing customers maintaining 'covered accounts' with the Company; and (b) new or purported new customers opening 'covered accounts' with the Company. The rules require companies to periodically conduct a risk assessment to determine whether it offers or maintains 'covered accounts.'The previous webinars were international successes and helped inform attendees about important issues like differentiation through product offerings rather than price, a common problem in the security industry, battling attrition, and the value of social networking tools.
Ken: Â Â Â Your article of Jan 2010 ... on IP alarms had brought up a few interesting issues.Â Â It is true & agreed alarm monitoring communications over POTS (phone) lines is beyond the control of the monitoring co.Â Â However communications over a VoIP Networks for monitoring now has control responsibilities to protected the alarm network fromÂ 'Cyber (virus or Hacking) Breach' , this exposure is referred to as 'Frailer to protected your Network' .Â Â Â Â Â Â I have built into our Cyber Liability PolicyÂ E&O for negligent including gross negligent for 'Cyber Breach'Â Â that extends to PERS, Alarm, GPS, & Video Monitoring ----------------and use of E-mail & Web Sites Network Liabilities is also provided. Â Â Â My view on the contract provision is to included the words VoIP,, Network, Wireless, Phone lines and allÂ communications , this covers both 'Analog and IP (Internet Protocol)' transmissions. Â Â Â The issue of Insurance coverageÂ for a General Liability E&O policy address 'Analog' or POTS Line communications Liability, and the Cyber E&O Liability policy address VoIP /Network Liability is--- both policies interface with one alarm contract. Â Â Â Its is my understanding you are providing a VoIP Disclaimer Notice which is separate from your contrasts , we need to review all the above between us to understand all view points.Â Â ATT has confirmed over 42% of the USA has switched from POTS Lines to VoIP Networks.Â Over the next 5 years 90% will have changed over to VoIP communications. Best Regards; Mike Kelly Security & Communications InsuranceHuh...? (keep reading, it gets better...) Here's Ken's reply to that initial comment.
My Standard Alarm Contracts have been updated to include IP and Internet monitoring, although the Disclaimer Notice still warns subscribers that POTS is the preferred mode of communication.Â In view of the email article that circulated on February 9, 2010 in which Mark Fischer of Nationwide Digital opined that POTS may soon be obsolete and VOIP the more common mode of communication, cyber liability issues which Mike Kelly has been so concerned about may very well become an important consideration insurance issue.Â Â Â Â I spoke to Mike about his E&O program, which he developed.Â There are a couple of points that he explained.Â First, his program is underwritten by a carrier that offers the traditional general liability coverage with E&O for the alarm industry, but also includes cyber liability as part of the package.Â Mike says that for minimum cover the premium is about the same as the other E&O policies in the alarm industry.Â May as well get the extra coverage.Â Â Â Â Now here is what cyber liability involves, if I understand it correctly.Â First, a cyber attach [hacker would be one] that shuts down the central station computers preventing monitoring.Â Second, that same virus then attacks the subscriber computer systems that are tied into the central station's computers through the Internet.Â Apparently current E&O policies would not cover the alarm company from a claim arising form such an event.Â Mike's policy would.Â And, before I move on, Mike is offering a 5% agency premium discount andÂ Security America Risk Retention Group is offering a 5% premium discount if you use the Kirschenbaum StandardÂ Contracts, so make sure you get that discount. Â Â Â Mike Kelly compiled a list of examples for cyber liability.Â Here it is: Â Examples of Cyber Liability not Covered an ANY GL Policy: 1)Â Â Â Â Â Â 'Identity Theft Liability' CRIME exposures of 1st and 3rd parties over the Internet that â€œbreachâ€ the Network Computers and access Med. info. BIOMETRIC ACCESS ID.,and other Personal data of Employees and Clients, FTC Required Notification Liabilities Is---- Cyber Liability. 2)Â Â Â Â Â Â World Wide Liability of Internet Alarm Monitoring 'Virus Infection Breach' that shuts down a Central Station Monitoringâ€”'Frailer to Protect your Network Liability' Cyber Contingent BI /PD Liabilityâ€™s is Cyber Liability. 3)Â Â Â Â Â Â IP / Internet Media---Use ofÂ E-mail or Web Site Personal Injury Liability , Includes Copyright Infringement, Virus accidental introduction into network, Invasion of Privacy,Â Liable / Slander / e-Hosting / e-Learning. are Cyber Liability. 4)Â Â Â Â Â Â Â Network Acts Terrorism Liability, including World Wide Cyber Extortion, Data & Software Replacement, e-Business Interruption/ loss of income/extra expense/ is Cyber Liability. 5)Â Â Â Â Â Â Internet Network Unauthorized Transfer Liability---loss of Funds / Money / Securities is Cyber Liability. Â Â Â If indeed alarm communication is going to involve and depend upon the Internet cyber liability policies may very well be necessary for proper protection.Â I'd like to hear more from Mike on this and also from the other alarm insurance brokers who often contribute to this forum. Â Â Â I may even invite Mike to make a few comments at my first day presentation at the Smith & Wesson Security Dealer seminar on March 24, 2010.Â For those of you who don't make it to the bottom of these emails [Mike apparently doesn't get that far], here is where I'll be at the ISC show in March:Â I hope to see all of your there.Â Stop by and say hello.Okay, I'm with ya. Kinda. Here's where it starts to get really interesting with Mike talking about buzz words... VoIP's really more of an acronym (I've been writing about how the industry's full of em since way back), but...
Ken: Â Â Â SWICHING FROM POTS LINE TO IP NETWORK---IT CAN BE CONFUSING AND ITâ€™S ALL IN THE TERMINOLOGY; Â Â Â We all have buzz words to explain what is POTS Lines , Phone Line connection , PSTN (Public switched telephone network),Â & AnalogÂ Communications .Â This group after talking with a few dealers & Insurance folks looks likeÂ these are best called 'POTS LINES'. Â Â Â Other buzz words used are VoIP, 'All Digital' , IP Platform. IP-VoIP, , Internet, .or Network.Â Â This group again after reviewing â€“looks like these are best called 'IP NETWORK'. Â Â Â I would very much like your input and a up or down voteÂ on the terminology , please extend this e-mail to anyone who has any ideas on how we should best express these crossroads of communications. Thanks; Mike KellyOkay, here's the fun part, where Bart chimes in...
Hello Michael, Â Â Â This e-mail request only adds to the mounting confusion and your insistence that there is a cyber liability that has been established upon alarm companies. Â Â Â My concern is that an insurance professional should not be spearheading an effort that blurs the lines of the terms you are looking to join for the purpose of fulfilling your goal of creating the need for an additional insurance product. Â Â Â If for no other reason but for clarity of the issue, could you please define for the alarm industry, as you are an insurance professional, what cyber liability is and how it applies to alarm company with some specificity to the way certain protocols are used by the alarm industry, other than your one commonly attached sheet that lists three case decisions to which you offer nothing other than the parties involved, rather than the actual written decisions. Â Â Â I will admit that the one thing you have been successful at is forcing members of the SARRG Board to talk about this issue and continue to try and figure out it you are correct or just creating a market. Â Â Â So far it has not been going your way. Bart DiddenA little inflammatory and adversarial, but you can see his point. And now Mike's comeback... you can see where "repartee" doesn't really fit here, but...
Bartâ€”thanks for your response, Â Â Â As an Insurance LicensedÂ Professional I have produced three (3) alarm Insurance Programs over the past 31 years,Â we can all agree Insurance products for the alarm Industry can not have blurred confusion and must define the coverageâ€™s and fit the exposures.Â The reason for my last e-mail was to separate the exposures of communications and bring forward understanding of what isÂ POTS Line (Analog Insurance )Â vs. IP (Internet Protocol ) IP Network Insurance. Â Â Â The IP Cyber Insurance Product is NOT new --- the Insurance Market responded to IP Internet liability 8 years ago when the worldwide web network came to be â€“some say the founder was Al Gore ?.Â Â Â Back then e-mail and web site Liability for 'IP network' 3rd party protection ( asÂ today) is not found in a General Liability Policy for-- Identity Theft of data, Copyright /Trademark Infringement, Libel, Slander,Â Personal Injury and False Advertising---Â and was the baseÂ then of the Cyber liability product.Â I have extended the above coverageâ€™s and included 'Access Control' Crime Liability from ID theft of Biometric information (eye retina. fingerprint, voice print & face print) asÂ ID Theft and Crime Liabilities now affect both 1st & 3rd Parties (Clients & Employees) .Â I have also added Other Coverageâ€™s : loss of funds in unauthorizedÂ network transfer ,Â loss of income & extra expense (Including FTC Red Flag notification costs)Â due to network cyber breach, & cyber extortion to name a few endorsements. Â Â Â Â Todayâ€”the FBI has confirmedÂ 'IP Network Identity Theft is the number one Crime' , but Cyber Liability has moved far beyondÂ what once was just ID Theft.Â With 45+% of homes and businesses switching from POTS Line to IP NetworksÂ Â The Alarm Industry especially is exposed when Alarm,Â PERS, Video, Access Control Installation & Monitoring is done over IP Networks . Some of the main exposures are due to the IP NetworkÂ connected to the worldwide web, a virus or hacker can come from anywhere in the world and inject malicious coding attackingÂ any software andÂ affectingÂ monitoring computers, or (office) network computers shutting them down and or causing data unauthorizedÂ downloading.Â Â The Insurance policy must have Worldwide Liability Reinsured Treaty Coverage, not just USA Territory--Â for defense and indemnification.Â Â This virus network breach will be viewed as negligenceÂ Â on the part of the alarm dealer known as 'FailureÂ to protect your Network'Â and is a 1st party Liability.Â As Other Liability exposures come from 'Rogue Employees' or 'Rogue Sub-Contractors'Â selling or usingÂ your IP network codes to access your networks, and then Acts Of Terrorism comes into the picture both from domestic and foreign parties,Â to further cause 'Failure to protect your Network' Liability. Â Â Â What is New about Cyber IP Network Insurance coverageâ€™s ( In my professional view) isÂ it has Four (4) main sections of coverageâ€™s. 1) Worldwide Liability to protect 1st & 3rd partiesÂ 2) Crime Liability 1st & 3rd Parties, 3) Media Liability e-mail, web site (see above exposures) but also e-Learning & e-networking E&O .4) Network RMR Loss of Income, extra expense, virus / hacking software /computer replacement & loss of funds transferred. Â Â Â I have enclosed our outline of Cyber coverageâ€™s within theÂ AXIS IP-e Alarm Security Insurance Program for your review and comment.Â Â Â I am open to review with you and the SARRG Board or an Insurance Company-- anytime on the Cyber Insurance issues. Â Â Â Your Input is Appreciated & Very TimelyÂ ; Mike KellyI'll say it again--Huh? I mean, if you're still reading, you're a veritable industry blog ninja. Kudos to you. And this post wouldn't be complete without Bart's response...
Michael, youâ€™re welcome. Â Â Â However, I must admit that I cannot read your last e-mail for it hurts my brain, eyes and skeletal structure in general. I think that I also got whiplash from my head falling to the side so much. Â Â Â Through your rambling you have perfectly defined why the industry in general should take this issue away from you and devote it to a committee who understands not only our transmission and connected technologies, but the data that we store in connection with the services we provide, which at that point we should invite the esteemed attorneys that you listed to establish the risks that will need to be mitigated, and levels of insurance to protect our assets, besides adopting Standards to also answer how we move forward. Â Â Â Finally, I am concerned about the distribution list of these e-mails. You have included representatives from companies that have such internal conflicts between the insurance programs you sell and the subrogation departments that look to dismantle the very contract provisions that make insurance affordable for our industry and our services affordable for society. Â Â Â Please stop, sit back and allow the leaders of our (my) industry do what they do best, protect my interests as an alarm service provider in a cooperative organized manner, rather than an insurance agent just trying to make a market and increase his/hers book of business. Bart A. DiddenCheck out Ken's site for more... Keep up the discussion, guys.