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Fire Protection Contractor Insurance

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Fire Protection Contractor Insurance
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Your potentially life-saving work as a fire protection contracting company is depended on by occupants of warehouses, manufacturing plants, office buildings, hospitals and residential homes and apartment buildings to name just a few. Even for fire protection contractors who work as consultants, there is simply too much at stake not to have protection of your own.
General Liability
Commercial Property Insurance
Business Auto
Worker’s Compensation

General liability coverage

Risk Factors

If the sprinklers you provide to your client go off unexpectedly, which causes water damage to your client.

Solution

Your general liability policy would cover the cost of repairs for the damages done by your products.

Commercial general liability coverage

Risk Factors

While carrying heavy equipment, an employee damages the furniture at your clients property. You are liable to pay for the damages.

Solution

Your general liability policy would cover the cost of repairs for the damage caused by your employee.

Business auto coverage

Risk Factors

If any of your company vehicles are involved in an accident, you have to pay for third-party bodily injury, property damage, or pollution cleanup.

Solution

Commercial Auto policy would cover any expense for the medical care of the other driver and the repair of his property.

Worker’s compensation coverage

Risk Factors

While installing a sprinkler at your clients site, your employee cuts their hands severely. They needs medical care and cannot work until they recover.

Solution

Workers’ compensation would pay for their medical bills and a portion of lost income while they recover and are unable to work.

What is Fire Protection Contractor Insurance?

Fire protection contractor insurance is essentially a Commercial General Liability Insurance policy that’s tailored to cover your activities and protect you from the liability risks associated with the work you do. It can also include Failure to Perform or Efficacy coverage, unique to fire protection work, in case your products and/or units fail to deploy.

What is Covered in Fire Protection Contractor Insurance?

Fire protection contractor insurance can provide coverage for legal defense costs such as lawyer’s fees, settlements and awards for damages for claims alleging personal injury/bodily harm or property damage. Also included is coverage for claims of slip-and-fall injuries on your property, claims of libel or slander and lawsuits alleging false advertising, among other potential claims scenarios.

Connect with us to review your existing policy or get a customized policy for your Fire Protection Contracting business.

Common Fire Protection Contractor Insurance coverage

Considering the size of potential fire protection-based claims, it is recommended to have Commercial Umbrella Liability Insurance which provides coverage for costs of a claim that exceed policy limits.

Suppose your fire protection contracting company manufactures/fabricates fire suppression or detection products. In that case, you may also need to include Product Liability Insurance to protect you from claims related to your products.

Other Coverages for Fire Protection Contracting Companies

  • Commercial Property Insurance
  • Commercial Auto Insurance / Commercial Vehicle Insurance

If you work within this industry, protecting yourself from the dangers of working with fire suppression is critical. While you might do your best to ensure all work is performed correctly, you can’t predict when accidents will occur or when someone might try to hold you financially responsible for something that was not your fault. This is why you must take extra care in not only your work, but in protecting yourself and making sure you have the right fire protection contractor insurance plan.

Contact us today to know more about the various options you have.

Already have Fire Protection Contractor Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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