Fire Protection Contractors

Our highly rated insurance programs serve as the firewall between your business and the everyday risks of Fire Protection services.

If blindsided by a third-party lawsuit, you can sleep knowing your livelihood is secure from an impending legal firestorm glowing on the horizon -

Fire protection contractors are tasked with designing, fabricating, and installing various fire protection systems and equipment.

There is a significant risk involved with this trade from causing property damage and bodily injury to third parties.

For these reasons, Fairbanks Insurance Brokers recommends a comprehensive contractors insurance package to protect your company and employees from the unforeseen hazards involved with this specialized trade.

Here is What We Recommend:

General Liability

Fire protection contractors are especially vulnerable to third-party lawsuits because their business involves product installation, repair, onsite construction, plumbing, and electrical tasks.

Transferring these risks to a contractor’s general liability policy will provide financial protection for defense costs, settlement costs, and judgments awarded by the court.

Workers' Comp

Job sites can be dangerous because of the electrical tools and equipment needed to complete a fire protection project.

Your workers’ compensation policy will pay for employees’ medical costs and lost wages that result from work-related injuries and illnesses.

Since your state may require your company to be licensed to operate, workers’ compensation insurance could be part of that requirement.

Surety Bonds

Most state licensing boards require a contractor’s license surety bond to issue a license.

Businesses that hire fire protection contractors may also require a surety bond as a financial guarantee to complete the project according to the contract.

Commercial Auto

The contractor’s commercial auto policy will provide liability and physical damage protection for your business vehicles and insured drivers.

Many carriers will provide protection for cargo your company delivers to the job site.

Inland Marine

Having your contractor tools and equipment insured under an inland marine policy will reduce or reimburse out-of-pocket expenses if your tools or equipment are damaged or stolen at the job site, in transit, or storage.