Fire Sprinkler Contractor Liability Insurance

Residential homes and commercial businesses need to have up-to-date fire resistance and fire protection systems, which include fire sprinklers. When an individual or business owner searches for reputable fire sprinkler contractors, many people prioritize companies with insurance. This is why your business needs fire sprinkler contractor general liability insurance.

General liability insurance is a multi-faceted policy. It’s one of the most valuable types of insurance for companies of all sizes. Fire sprinkler contractor liability insurance is essential in order to protect your business, your employees, and your customers. Plus, you may need to have insurance in order to legally operate in some areas.

What Fire Sprinkler Contractor General Liability Insurance Covers

Fire sprinkler contractor general liability insurance includes different types of coverage. When you purchase a general liability insurance policy, you get the following coverages:

Bodily Injury

Installing fire sprinkler systems involves ladders, power tools, and depending on the job, heavy machinery. Even if you follow the right safety measures, people can still get injured.

For example, a homeowner could trip over a drill cord and hurt their knee. An unsecured sprinkler component could fall and hit someone on the head. If this were to happen, your bodily injury liability coverage would pay for the person’s medical bills, as well as your legal fees if the customer sued you.

Property Damage

Property damage liability coverage will help pay for repairs if you accidentally damage the home or business you’re working on. For instance, if one of your technicians accidentally cuts the wrong pipe, or drills a big hole in the incorrect place, the homeowner or business owner may come after your business for the cost of repairs.

In this case, your fire sprinkler contractor liability insurance would cover the cost of repairs, up to the policy’s limit. It also pays for your legal defense. This includes lawyer fees, a settlement, or judgment with the other party if you get sued.

Products And Completed Operations

Products and completed operations coverage comes with a fire sprinkler contractor general liability insurance policy. As the name suggests, this type of insurance applies to lawsuits that arise after you have completed a sprinkler installation job.

Imagine that you install a new fire sprinkler system in a client’s home. Several months after the job is done, the client notifies you that the sprinklers went off unexpectedly when there was no fire or smoke. They sue your business, claiming that the sprinklers caused extensive water damage inside the house. In this case, products and completed operations insurance would cover your business financially.

Medical Payments

Medical payments coverage applies in small bodily injury liability claims. Let’s say that a customer steps on a nail that your workers left behind. The client needs to go to the hospital and get treatment.

If the client sued your business for bodily injury, the medical payments portion of your general liability insurance policy would pay for their medical bills, up to the policy limit. If the cost of the person’s medical expenses exceeded the policy limit, your liability insurance policy would cover the difference, which typically provides up to $1 million in coverage.

Personal And Advertising Injury

Personal and advertising injury claims are not extremely common for fire sprinkler contractor businesses, but they do happen. This policy covers your legal fees if you get sued for copyright liability, slander, or libel.

Here’s an example of how this policy works. Imagine that you hire a graphic designer to redesign your company’s logo. Once the new logo is printed on all your advertising materials, another business reaches out and claims that you stole their logo. In this case, personal and advertising injury insurance would pay for your legal fees if you were sued for copyright infringement.

Damage To Premises Rented To You

When you rent vs. own your place of business, different insurance policies apply. If you rent office space from a landlord, a type of insurance called damage to premises rented to you will cover the damage in the event of a fire or other peril. This policy only applies when you are liable for the damage.

Most damage to premises rented to you policies also cover short-term rentals. So, for example, imagine you rent a coworking space for a few days to meet with clients while your main place of business gets new windows installed. You start vacuuming the floor before a client comes in, and the vacuum tears a hole in the carpet. Fortunately, your general liability insurance policy would cover it.

Other Insurance For Fire Sprinkler Contractors

Besides general liability insurance, there are several other types of insurance that can be beneficial for fire sprinkler contractors:


What Does Fire Sprinkler Contractor Liability Insurance Not Cover?

Fire sprinkler contractor liability insurance covers many of the most common situations that business owners face. But it doesn’t cover everything. Here are a handful of scenarios that would not be covered by your fire sprinkler general liability insurance policy:

  • Intentional injuries or property damage
  • Injuries to employees
  • Tools and equipment

Before you purchase commercial insurance, it’s a good idea to review your policy details. You can also speak with an agent if you have questions about what your policy does and does not cover. If you find gaps in your coverage, you might be able to purchase supplemental policies that will provide the protection you need.

How Much Is Fire Sprinkler Contractor General Liability Insurance

The cost of fire sprinkler contractor general liability insurance depends on several factors. When you apply for a quote, the insurance company will look at these factors:

  • Where your business is located (city and state)
  • The number of employees you have
  • The type of policies you need
  • Coverage limits and deductibles
  • Business insurance claim history

Every fire sprinkler contractor company will pay a different rate for general liability insurance. However, the average cost of liability insurance for fire sprinkler contractors starts at $55 per month.

Fire Sprinkler Installer Insurance (GL) FAQ

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

Why Do Fire Sprinkler Contractors Need Insurance?

Fire sprinkler contractors need insurance for a variety of reasons. Customers can get injured on job sites, workers can cause accidental property damage, and things can go wrong even after a job is complete. In addition, some customers will only work with fire sprinkler contractors who have insurance. This can help you win more business because it shows that you are a reliable company that cares about safety.

What Are The Risks Facing Fire Sprinkler Contractors?

Fire sprinkler contractors face a variety of risks at work. Installation technicians can fall from ladders or scaffolding, or hurt themselves with power tools. Workers can develop overuse injuries, and get exposed to harmful chemicals found in old pipes. Not to mention, installation technicians can face property damage claims. If a contractor accidentally damages the home or business they are working on, it can end in a lawsuit, even if they were not at fault.

Is General Liability Insurance Required For Fire Sprinkler Contractors?

General liability insurance is a requirement for certain fire sprinkler contractor businesses. In some locations, businesses in this industry must have insurance in order to obtain a business license or get a lease on commercial office space. Also, keep in mind that some customers will only sign a contract with a business that has insurance, even if it’s not a legal requirement in the city or state.

How To Get Fire Sprinkler Contractor Liability Insurance ?

The process of getting fire sprinkler contractor liability insurance is fairly straightforward. Here are the steps you should follow:

Choose the type and amount of coverage you need: The first step is to pick the types of coverage and the amount of coverage you want for your business. Every commercial insurance company will offer general liability insurance, but if you need additional policies, make sure to look for companies that offer what you need.

Shop around: Next, shop around and find a few insurance companies that offer the type and amount of coverage you want. You should also read customer reviews to get a sense of the customer service, and how current and past policyholders feel about the provider.

Get quotes: Every insurance company charges a different rate for coverage. You will find that some providers offer much higher rates than others, and vice versa. Before you buy a policy, it’s a good idea to get quotes from a few different providers. This is the best way to see which insurance company can offer the lowest rate.

Purchase your policy: Once you have decided which insurance company you will work with, complete the application process and choose your policy start date. Depending on your insurance provider, you may be able to buy a policy online. However, some carriers require you to work with an agent.

Are Monthly Payments Available For Fire Sprinkler Contractors?

We offer easy monthly payment plans with most of the polices. Usually a down payment is required to start. Payment plans may include 9 or 10 monthly options depending on the qualifying business.

What Are The Penalties To Cancel My Insurance Policy ?

USA Business Insurance Services doesn’t penalize customers for policy cancellations. When you cancel your Insurance, you are not required to pay penalties.