Re: Insurance question for small business owners

["Crash Gordon" <webmaster@xxxxxxxxxxxxxxxxxxxxx>]

Too cold up there for me.



"James" <trishnjames@xxxxxxxxxxx> wrote in message
news:QbGdnWlesZAKBrjeRVn-oA@xxxxxxxxxxxxxx
| Denco, in Ogden near Mountain Alarm and a long way from Peak.  :)
|
|
| "Crash Gordon" <webmaster@xxxxxxxxxxxxxxxxxxxxx> wrote in message
| news:CJgVe.22$344.1615@xxxxxxxxxxxxxxxxxx
| > Peak?
| >
| >
| > "James" <trishnjames@xxxxxxxxxxx> wrote in message
| > news:B6CdnW-VhdFumbjeRVn-iQ@xxxxxxxxxxxxxx
| > | 40 miles north of Salt Lake City
| > |
| > | James
| > |
| > |
| > | "Crash Gordon" <webmaster@xxxxxxxxxxxxxxxxxxxxx> wrote in message
| > | news:kA4Ve.64$yo3.14157@xxxxxxxxxxxxxxxxxx
| > | > Same here...but the ins. co. doesn't check any of that.
| > | >
| > | > Utah, what part?
| > | >
| > | >
| > | > "James" <trishnjames@xxxxxxxxxxx> wrote in message
| > | > news:6aadneYP39_cU7neRVn-gA@xxxxxxxxxxxxxx
| > | > | Here in Utah, we have to have our insurance before we can get a
| > license.
| > | > We
| > | > | also have to pass a background check and 2 different written
tests.
| > | Only
| > | > | then will the state issue an alarm license.
| > | > |
| > | > | James
| > | > |
| > | > |
| > | > | "Crash Gordon" <webmaster@xxxxxxxxxxxxxxxxxxxxx> wrote in message
| > | > | news:Qn0Ve.41$zw2.1274@xxxxxxxxxxxxxxxxxx
| > | > | > I've been asked for:
| > | > | > Copy of contracts
| > | > | > Whether we provide Medical panic buttons - if so...how many.
(not
| > | many)
| > | > | > Every year or so they want financial statements, but never been
| > | audited
| > | > by
| > | > | > them
| > | > | > Percentage of commercial v. residential
| > | > | > Do we work with hazardous materials..blah blah blah.
| > | > | >
| > | > | > Never been asked for licenses though.
| > | > | >
| > | > | >
| > | > | > <thesatguy1@xxxxxxxxxxxxx> wrote in message
| > | > | > news:pjZUe.21$Ob2.17@xxxxxxxxxxxxxxxxxxxxxxxxxxxxx
| > | > | > > 7Having been in business 42 years I can truthfully tell you
that
| > no
| > | > | > > insurance company ever asked me if I had a license - the only
| > thing
| > | > they
| > | > | > > care about is do you have the premium.
| > | > | > > They ask you what your annual sales volume is.  However, they
| > never
| > | > ask
| > | > | > > for proof.
| > | > | > > They ask you what percentage is new work and what percentage
is
| > | > | completed
| > | > | > > operations.
| > | > | > > They ask you if you employ outside contractors or if you use
| > | > | > > subcontractors and if so what percentage of the work do they
do.
| > | > | > > They ask you if you provide monitoring or contract that out to
| > | > somebody
| > | > | > > else.
| > | > | > > They ask you if any employees are armed and if so what
| percenatge
| > | are
| > | > | > > armed vs unarmed..  They ask to see every piece of paper you
| might
| > | > give
| > | > | to
| > | > | > > a customer.
| > | > | > > They ask if you supply any services without a written
contract.
| > | > | > > They always ask if you do any work related to elevators or
| > | escalators.
| > | > | > >
| > | > | > > "no wires showing" <alarminstall@xxxxxxx> wrote in message
| > | > | > > news:1126309205.866790.205500@xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
| > | > | > >> Insurance companies are not going to cover unlicensed
companies
| > who
| > | > | > >> operate in a state where a license is required. Bass is doing
| > | > business
| > | > | > >> as an alarm company in a state that requires a license. Do
| > | unlicensed
| > | > | > >> motorists get auto coverage?
| > | > | > >> He's either lying about having proper insurance, or he lied
on
| > his
| > | > | > >> application. Either way he's lying, but would you expect
| anything
| > | > else?
| > | > | > >>
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