Red Phone Icon 905-274-5678

Fire Protection Contractor Insurance

Contractors Insurance is a trusted and award-winning commercial insurance brokerage based in Ontario. We offer personalized insurance plans for various contractors and tradespeople, including fire protection contractors.

Fire safety is a serious business; mistakes have real consequences. So, if you work within this sector, our customized fire protection contractor liability insurance can provide you with the coverage you need to secure your finances.

We provide contractors with end-to-end assistance, from negotiating premiums to filing claims. With Contractors Insurance, your business is always in good hands!

What Is Fire Protection Contractor Liability Insurance?

Fire protection contractor insurance is an insurance bundle or plans customized to fit the needs of fire protection contractors, including sprinkler installers in commercial spaces like office buildings. The foundation of this insurance bundle is commercial general liability insurance, with the option to add on more specialized policies depending on your business’s needs.

Your fire protection installation insurance can include the following:

Commercial General Liability Insurance (CGL)

Fire protection contractors and consultants are responsible for ensuring the safety of the property they’re working on and any third-party individuals on-site. CGL insurance protects your business against costs associated with the following:

  • Third-party injuries and property damage caused by business operations (while the project is ongoing) or due to faults in the completed project
  • Third-party injuries that occur within business premises
  • Advertising or reputational injuries (libel, slander, copyright infringement, etc.)

Commercial Auto Insurance

As a fire protection contractor, you are at risk when travelling to and from the job site—commercial auto insurance is, therefore, a must in any policy. It protects your business from financial losses in the following situations: 

  • Bodily injuries/property damage caused by your vehicles
  • When your commercial vehicles are damaged in an accident
  • If your commercial vehicles are stolen or vandalized

Commercial Property Insurance

Fire protection installers usually operate from a head office where they store important data, equipment, tools, and other possessions. Commercial property insurance can cover the costs of repairs and replacements as well as lost income in case of:

  • Theft or vandalism
  • Natural disasters that damage the property or limit its accessibility

Builder’s Risk Insurance

Fire protection contractors often work on buildings under construction, meaning projects are exposed to external risks they cannot control. Builder’s risk insurance can protect you by providing coverage for: 

  • Damage, theft, or vandalism to buildings under construction and materials
  • Damage or theft to tools and equipment used during the construction process, including scaffolding and temporary structures
  • Clean-up costs associated with unexpected damage
  • Additional soft costs associated with project delays

Who Can Benefit From Fire Protection Contractor Insurance?

Fire protection contractor insurance offers a safety net for professionals and businesses involved in the fire protection industry. This specialized form of insurance can provide coverage for a range of risks associated with the installation, maintenance, and inspection of fire protection systems. Here are several parties that can significantly benefit from this type of insurance:

  • Fire Safety Equipment Installers: These professionals install fire alarms, sprinkler systems, and other fire prevention equipment. They face risks from potential damage or accidents during installation.
  • Fire Protection System Designers: Engineers and designers who create fire protection systems can benefit from liability coverage against errors and omissions in their designs.
  • Fire Safety Consultants: Consultants who advise businesses on fire safety measures and compliance can be protected against claims of negligence or inadequate advice.
  • Fire Protection Maintenance Companies: Businesses that maintain and inspect fire extinguishers, sprinkler systems, and other fire safety equipment can face liability if the equipment fails to function in an emergency. 
  • Fireproofing Contractors: Contractors who apply fire-resistant materials to buildings and structures need coverage for potential property damage or injury related to their work.

Why Is It Important for Ontario Contractors to Have Fire Protection Liability Insurance?

CGL insurance alone can be limited in scope; fire protection contractor insurance provides more specific and detailed coverage to ensure you’re always protected.

Fire Protection Contractor Insurance Claims Examples

Claims Example #1

  • Problem Icon

    The fire suppression system stored in your business’s main office malfunctions and causes damage to tools, equipment, and important documents.

  • Outcome Icon

    Having commercial property insurance in your bundle can help pay for the total cost of repairs and replacements, totalling $35,000.

Claims Example #2

  • Problem Icon

    During routine maintenance of fire extinguishers in a high-rise building, a maintenance company fails to properly inspect several units, which are later found to be non-functional during a fire drill.

  • Outcome Icon

    The building management sues the maintenance company for negligence. The fire protection contractor insurance covers the legal defense costs and any settlement reached or damages awarded, ensuring the maintenance company can continue its operations without severe financial impact.

Claims Example #3

  • Problem Icon

    One of your employees gets into an accident en route to the job site. No one was injured but both vehicles were damaged and the other driver sued successfully.

  • Outcome Icon

    Your commercial auto insurance can help pay for the legal fees as well as the repair and replacement costs, totalling $24,000.

Leading Provider of Fire Protection Liability Insurance in Ontario

At Contractors Insurance, we strive to serve every fire protection contractor and their business by providing the following benefits:

Personalized Insurance Plans

Pay for the coverage that you need without unnecessary and costly riders. We’ll help you set up your customized insurance bundle and recommend additional insurance coverage that can further protect you and your company.

Utmost Transparency on Coverage and Limitations

We’ll help you thoroughly understand your insurance policy. We’ll explain what triggers a claim, its limits and exclusions. We’ll also do everything we can to make your policies work for you to give you the peace of mind you deserve.

Thorough and Straightforward Insurance Education

Say goodbye to confusing insurance jargon. Our experienced insurance brokers are clear and comprehensive to ensure you understand everything.

Frequently Asked Questions About Fire Protection Contractor Liability Insurance

This type of insurance uses CGL as its foundation, which costs around $50 per month for a coverage limit of up to $2 million. Additional coverage added to your bundle or plan will increase the total cost.

While fire sprinkler installation insurance itself is not required by law, many of the policies within it—such as commercial general liability—are mandated.

Ready to Get the Coverage You Need?

Fire protection contractor insurance is crucial because it addresses the unique risks faced by these professionals and companies. By safeguarding against potential liabilities, such insurance ensures that they can continue to provide their essential services without the overwhelming financial burden of unexpected claims or legal disputes.

As one of the leading insurance brokerages in Ontario, Contractors Insurance prides itself on providing customized insurance policies that meet the specific needs of your business.

Contact us today to learn more, or to get started with a quick quote!

Get Contractors Insurance.
Get Peace of Mind.
Get to Work.