fire extinguisher maintenance

Fire Extinguisher Insurance Program

You may sell fire extinguishers or offer a variety of fire extinguisher maintenance services including…
  • Examination of Cylinder
  • Hydrostatic Testing
  • Recharge (fire extinguishers or CO2 beverage cylinders)
  • Service
  • Repair
  • Maintenance History
  • Inspection Certification

Our specialty insurance program for fire extinguisher sales and service operations offers the following coverages:

  • General Liability
  • Professional Liability (Errors & Omissions)
  • Products/Completed Operation
  • Contractual Liability
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella
  • Bonds
Fire Extinguisher Insurance
Liability Coverage may include:

  • Limits up to $1 million per occurrence/$3 million aggregate
  • E & O Professional Liability – at policy limits
  • Premises and Completed Operations
  • Employees as Additional Insureds
  • Employment Practices Liability (claims-made coverage)
  • Fire Legal Liability – $100,000 (higher limits available)
  • Medical Expenses – $5,000
  • Personal and Advertising Injury
  • Newly acquired organization – 90 days
  • Employee benefits (claims-made coverage)
  • Contractual Coverage
  • Faulty Workmanship – $25,000
Other Insurance Options and Coverage may include:

  • Umbrella – limits up to $10,000,000
  • Electronic media
  • Business Interruption Coverage
  • Crime – Employee Dishonesty
  • Mobile Equipment
  • EDP Coverage
  • Installation Floaters
  • Equipment and Tool Floaters
  • Auto (not available in Michigan)


  • License and permit bonds
  • Business service bonds
  • ERISA bonds

Property Coverage may include:

  • Building Coverage – replacement cost or actual cash value
  • Contents Coverage  – replacement cost or actual cash value
  • Equipment Breakdown included on Building and Contents
  • Business Income (with extra expense and 0 hour waiting)
  • Blanket Insurance
  • Mine subsidence (specific IL, IN & KY counties)
  • Earthquake
  • Utility Service – direct damage
  • Utility Service – time element

Note: All coverages may not be available in all states.

Program Requirements

  • Installers must be licensed or certified.
  • NFPA guidelines must be followed.
  • A $500 property damage deductible per claim is required.
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Phone or email Kevin Morency if you have any questions.

By taking the time to discuss your needs, Kevin can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.