AMBestalarmsystems.docx
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AMBestalarmsystems.docx
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AMBestalarmsystems
AlarmSystemsDealersandInstallers
BurglarAlarmSystemDealersandInstallersContractorsFireAlarmSystemDealersandInstallersFireSprinklerSystemsContractorsProtectiveServicesSecurityServicesElectricalWorkSecuritySystemsServicesAlarmsandAlarmSystems-installation...Alarms-SecuritySystems-monitoring...
a3330
RevisionDate:
4/97
Line
Best'sHazardIndex
UnderwritingComments
AUTOMOBILELIABILITY
5
Dailydrivingforservicetechnicians.
AUTOMOBILEPHYSICALDAMAGE
--
GENERALLIABILITY
5
Mostworkperformedoffpremises.
PRODUCTLIABILITYANDCOMPLETEDOPERATIONS
5
PROFESSIONALLIABILITY
4
Varieswithamountofconsulting/designworkperformed.
ENVIRONMENTALIMPAIRMENTLIABILITY
--
WORKERS'COMPENSATION
5
Lowerifemployeesnotrequiredtorespondtoalarmconditions.
CRIME
2
FIREANDE.C.
4
BUSINESSINTERRUPTION
3
INLANDMARINE
4
Equipmentandtoolsintransitdaily.
BOILERANDMACHINERY
--
Low1-3,Medium4-6,High7-9,VeryHigh10
SICCode
SICClassification
1731
ElectricalWork
7382
SecuritySystemsServices
ISOCode
ISOClassification
91127
AlarmsandAlarmSystems-installation,servicing,orrepair
91130
Alarms-SecuritySystems-monitoring
SpecialExposures
Faultysystemdesign/installation
Tighttravelschedules
Completedoperations
Consulting
Bailee
RelatedClassifications
ArchitectsandEngineers
BuildingConstruction-GeneralContractors
CentralAlarmMonitoringServices
ElectricalContractors
FireExtinguisherSalesandService
OccupationalSafetyandHealthConsultants
TelevisionandRadioRepairShops
RISKDESCRIPTION
a333r.
Asthe20thcenturydrawstoaclose,alarmsystemsdealersandinstallersarewell-positionedtotakeadvantageofwidespreadpublicfearofbeingvictimizedbycrime.RecentpublicopinionsurveysindicatethatmanyAmericansconsidercrimeoneofthetopproblemsconfrontingthenation.Paradoxically,however,asmoreAmericansworryaboutcrime,statisticscontinuetoindicatethatmanytypesofcrimeareactuallyonthedecline-byanaverageof3%in1995.Thisdeclineisespeciallytrueofburglaryandothertypesoftheftcrimes.Publicfearofbeingvictimizedbycrime-whetherrationalornot-hasleadtoincreasedsalesofburglaralarms,caralarms,defensivesprays,andothersecuritydevices.
Althoughstatisticsdoreflectadropinmanytypesofcrime,thosesamestatisticsstillreflectahighrateofcriminalactivity.Arson,forexample,remainsaseriousproblem.Manyfactorsinfluencewhyanarsonistmayattempttoburnsomeone'sproperty,includingrevenge(e.g.,anemployeewhowasrecentlyterminated),vandalism,thrill-seeking,ortocoverupanothercrime(e.g.,murderorembezzlement).EachyearintheU.S.,arsondestroys100,000buildingsandcostsmorethan$1.4billioninlosses,accordingtotheFederalEmergencyManagementAgency(FEMA).
Technology-relatedcrimesalsoremainhigh,andinsomecases,areontherise.ThesetypesofcrimescosttheU.S.$8billionannually,andthetollisexpectedtoincreasedramaticallythroughtheendofthedecade.Currently,twodistincttypesoftechnologycrimesareontherise:
theftsfrommanufacturingfacilitiesandwarehouses,andtheftofpartsfrompersonalcomputersinoffices.Forexample,theFBI'sHigh-TechCrimeUnitreportsthatcomputerchiptheftisincreasingataprecipitousrate.Mostcomputerchipsarestolenbyinsiders;therefore,standardsecuritymeasuresmaynotprotectadequatelyagainstthistypeoftheft.Infact,securityindustryestimatesshowthat65%to75%ofbusinesslossesresultingfromtheftarecausedbyemployees,vendors,andotherswithinsideaccesstothecompany.
Securityissuesdonotaffectonlycommercialbusinessesandmanufacturers,however,asresidentialcrimescontinuetoremainaconcern.Increasingnumbersofpeopleareinstallingalarmssystemsintheirhomesandautomobiles.Residentialalarmsalesclimbedfromabout$4billionannuallyin1986toover$6billionannuallyin1994.In1994,32%ofallnewhomeswerebuiltwithalarmsystems.Additionally,revenuesfromsalesofcarsecuritysystemsjumped15%in1993,to$540million.Asthenumberofinstalledsecurityandalarmunitshaveclimbed,priceshavefallenbytwo-thirdsasthevarioustypesofalarmtechnologyhavebecomelessexpensive.Indeed,thesefallingpriceshaveplayedastrongroleinattractingmanypeopletoinstallalarmsystemsintheirhomesandautomobiles.
Highlevelsofpublicconcernregardingcrimeandsecurityissuesmeansthatalarmsystemsdealersandinstallerscanexpectcontinuedhighdemandfortheirproductsandservicesfortheforeseeablefuture.Thishighdemandalsohasenticedmanystart-upalarmsystemscompaniestobeginofferingsecurityservices;additionally,severalindustrygiantshaveincreasedsubstantiallythenumberandtypesofmonitoringandalarmsystemstheyoffertobothresidentialandcommercialcustomers.Growthinthesecurityproductsandservicesindustryisnowaveragingabout6%peryear,anddealersalesforthemajorportionsoftheindustryclimbedtomorethan$11billionin1995fromaround$9billionin1991.
Crimestatisticsandperceptionsofvulnerabilitytocrimemaybedrivingmanyofthesalesinthisindustry,butthereareotherimportantfactorsthatmustbeconsideredaswell.Liabilityconcernsalsomotivatecompaniestoinvestinsecuritymeasures.Manybusinessownersknowthatiftheyhavejustoneincidentthatcouldhavebeenpreventedbypayingmoreattentiontosecuritymatters,itcouldcostthemdearlyintermsofliability.Additionally,thedecliningcostofelectronicsandmicroprocessor-controlledtechnologiesandtheincreasingvarietyandavailabilityofnewproductsalsoarefuelingbusinessinterestsinsecuritymeasures.Infact,accordingtothe1992CorporateFacilitiesMonitorproducedbytheInternationalFacilityManagementAssociation(IFMA),morethan76%ofrespondentstoasurveyindicatedthattheywillemploymoresecuritymeasuresby2002thantheyhadin1992.
Thetypesofsecurityandfirealarmsystemsavailabletohomeownersandbusinessesaretoonumeroustodescribeindetail;however,mostdealershipscanprovideaprospectiveclientwithavarietyofoptions,includinganumberofoff-the-shelfsystems,orwithacustom-designed,one-of-a-kindsystemtailoredspecificallytotheneedsandrequirementsoftheclient.Nonetheless,therearefourbasiccategoriesofsecurityalarmsystemsthatcanbedescribed.Formoredetailedinformationondifferenttypesoffirealarmsystems,refertotheFireExtinguisherSalesandServiceclassification.
Thefourtypesofalarmsystemstypicallyavailableforuseincommercial,industrial,institutional,(andinsomecases,residential)occupanciesinclude:
local,proprietary,policestationconnected,andcentralstationmonitoringsystems.Localalarmsystemssimplyactivateagong,bell,orelectronicsoundingdevicetoalertneighbors,passersby,orpolicepatrols.Thesesystemsdonotmonitoralarmsystemstatusnordotheyattempttocontactauthoritiestosolicitaresponsetothealarmcondition.Theotherthreetypesofalarmsystemsaremonitored;theirchiefdistinguishingfeaturesarethelocationandnatureofthemonitoringoperationthattakesplace.
Proprietaryalarmsystemsrequireamonitoringstationattheprotectedpremisesunderthesupervisionoftheowneroftheprotectedproperty(i.e.,theinsured).Thesesystemsareusedmostcommonlybysmallercommercialestablishmentsthatcannotaffordordonotneedpolicestationorcentralstationmonitoringalarmsystems.Policestationconnectedalarmsystemstransmitasignaltoareceivingunitatapolicestation,fromwhichpoliceofficerscanbedispatchedtoinvestigatethesourceofthealarmcondition.Centralstationalarmssignalamonitoringstationoperatedbyanalarmcompany.Centralstationalarmmonitoringcompanieswillusuallydispatchanemployee-analarminvestigator-toinvestigatethealarmconditionandwillnotifytheclientortheclient'sdesignatedrepresentativeandlocalpoliceorfireservicepersonnelifavalidalarmhasbeendetected.Inmanycases,centralalarmmonitoringstationemployeeswillnotattempttotakeanyactionbeyondinvestigatingthealarmconditionandalertingtheappropriateauthoritiesifavalidalarmconditionexists.Insomecases,however,thealarmcompanymayholdkeystotheprotectedpremisestopermitimmediateentryintothepremisestocompleteaninvestigation.
ThemajortradeorganizationsrepresentingthisindustryaretheNationalAssociationofManufacturersandInstallersofSecuritySystems(NAMISS),theNationalAlarmAssociationofAmerica(NAAA),theAutomaticFireAlarmAssociation(AFAA),theCentralStationAlarmAssociation(CSAA),andtheNationalBurglarandFireAlarmAssociation(NBFA).AdditionalfirealarmassociationsincludetheNationalAutomaticSprinklerandFireControlAssociation(NASFCA)andtheFireSuppressionSystemsAssociation(FSSA).AdditionalsecurityalarmassociationsincludetheInternationalAssociationofHomeSafetyandSecurityProfessionals(IAHSSP)andtheSecurityIndustryAssociation(SIA).
MATERIALSANDEQUIPMENT
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Alarmsystemequipment,includinglocal,proprietary,policestationandcentralstationmonitoringsystems(hard-wiredandwireless):
mastercontrolpanels;remotesensingunits;soundingdevices(e.g.,bells,horns,gongs,electronicsoundingdevices,digitalormagneticvoicerecordings);magneticsecuritytape;closedcircuittelevision(CCTV)monitors;heat-sensingdetectionunits;motiondetectingunits;laser-basedproximitydet
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