Fire protection contractor insurance for life safety work
Your work protects lives and property, and it carries real liability: water damage from accidental discharge, design errors and systems that must perform years after you leave. We insure sprinkler installers, fire alarm contractors and suppression specialists across the Pacific Northwest, from NFPA 13D residential systems to complex commercial work.
Same-day certificates · Options for design-build contractors
Coverage built for sprinkler and life safety work
We understand NFPA codes, ITM requirements and the liability landscape of life safety systems, and build programs that protect your business at every stage of a project.
General liability
Third-party bodily injury and property damage, including water damage from accidental discharge, damage to building contents and injuries to occupants during installation.
Learn more →Professional liability (E&O)
For design-build contractors: claims from system design errors, code compliance failures, hydraulic calculation mistakes or improper specifications.
Learn more →Commercial auto
Service trucks and vans that carry crews, pipe, fittings and equipment, including specialized tools and inventory in your vehicles.
Learn more →Workers' compensation
Required coverage for employee injuries from work at heights, confined spaces, hot work and heavy materials.
Learn more →Completed operations
Claims after project completion, including a system that fails to activate during a fire.
Tools and equipment
Pipe threaders, grooving machines, welding equipment, testing devices and specialized tools against theft, damage and breakdown on the job or in transit.
Fire protection businesses we insure
Residential sprinkler
NFPA 13D and 13R home systems.
Commercial sprinkler
Office, retail and multifamily systems.
Fire alarm contractors
Detection and notification systems.
Suppression systems
Clean agent, foam and special hazard.
Inspection and testing
ITM services and annual inspections.
Fire pump service
Installation, testing and maintenance.
Backflow testing
Backflow prevention and certification.
Industrial fire protection
Manufacturing and high-hazard facilities.
Coverage for every fire protection system
Policies can include endorsements for design-build work, hot work exposures and high-value installations.
Wet systems
- New installations
- Retrofits and TI work
- System modifications
Dry and preaction
- Cold storage facilities
- Data centers
- Parking structures
Fire alarms
- Addressable systems
- Voice evacuation
- Mass notification
ITM services
- Annual inspections
- Quarterly testing
- 5-year internal exams
Brokers who speak your language
Fire protection experience
We've insured Pacific Northwest contractors since 1992 and understand NFPA codes, AHJ requirements and life safety liability.
Broad market access
As a broker, we compare more than 50 carriers, including markets for design-build contractors and those with a water damage claims history.
Same-day certificates
Certificates for general contractors the same day, so bids and projects aren't held up by paperwork.
Claims support
When water damage or liability claims happen, we help you through the process.
Common questions about fire protection contractor insurance
How much does fire sprinkler contractor insurance cost?
Do I need professional liability (E&O) insurance?
What if a sprinkler head accidentally discharges and causes water damage?
What happens if a system we installed fails to work during a fire?
Do I need special coverage for hot work (welding and cutting)?
Protect your fire protection business
Get coverage built for sprinkler and life safety contractors, with quotes compared across contractor markets.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Cost ranges are general examples, not quotes. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.