Fire Protection Contractor Liability Insurance

Fire Protection Contractor Liability Insurance

Your potentially life-saving work as a fire protection contracting company is depended on by occupants of warehouses, manufacturing plants, restaurants, office buildings, hospitals, hotels and residential homes and apartment buildings to name just a few. Even for fire protection contractors who work as consultants or designers only, there is simply too much at stake not to have the appropriate protection for your business. Fire protection contractor liability insurance is designed to meet the risk-protection needs of fire protection and suppression contractors all of types and is customized to each individual contractors, operations and budget.

Fire Protection Contractor Liability Coverage Explained

Fire protection contractor insurance is essentially a specialized 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 and can also include Failure to Perform or Efficacy coverage, unique to fire protection work, in case your products and/or units fail to deploy or your system design and/or installation doesn’t work as intended.

What activities does fire protection contractor liability insurance cover?

  • Evaluating and contributing to construction plans
  • Recommending and installing fire retardant building materials 
  • Consulting and certifying fire systems
  • Designing and installing fire sprinkler and alarm systems
  • Selling, maintaining and repairing fire suppression equipment such as extinguishers, hood system, electrical room system, etc.
  • Installing and maintains automatic fire barriers, gates and communication units
  • Installing dry standpipe distribution systems and door release devices
  • Providing fire safety training, evacuation plans, extinguisher instruction etc.
  • Evaluating fire risks and hazardous materials storage
  • Consulting on wildfire prevention and creating defensible perimeters
  • Assisting with exterior fire prevention systems, water storage tanks and standpipes for fire department use

How can fire protection contractor liability insurance protect you?

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

Considering the size of potential fire protection-based claims we also recommend Umbrella Liability Insurance which provides coverage for costs of a claim that exceed policy limits.

Does fire protection contractor insurance cover fire supression products?

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

Those products can include:

  • Fire and smoke alarms
  • Carbon Monoxide alarms
  • Sprinklers
  • Fire extinguishers
  • Monitoring systems
  • Hoods and exhaust systems
  • Piping
  • Hoses/reels
  • Safety signs and lights
  • IOT Devices and sensors

Other Coverages for Fire Protection Contracting Companies

Commercial Property Insurance – which can cover all your businesses physical assets including buildings, equipment, tools, leasehold improvments, inventory etc. from perils like fire, flood, water damage etc. Included in a typical property policy is Extra Expense Insurance and Business Interruption all of which are key parts of any/all property insurance policies.

Commercial Auto Insurance / Commercial Vehicle Insurance – whether it’s 3rd part liability, physical damage or accident benefits ensuring any/all vehicles used by you and your team for business purposes are properly insured is critical to protecting your business and operations.

Get Fire Protection Contractor Liability Insurance Brokered by ALIGNED and Save Yourself Time, Money and Headaches

When you choose ALIGNED, you get a dedicated advocate who specializes in commercial insurance coverage advocating on your behalf with Canada’s top insurance companies to get you a comprehensive fire security contractor liability policy at affordable rates. Click here to get a free quote today!

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