Fire Protection Services

Fire Protection Services

Your fire protection operation may install, inspect, test, service and repair a variety of fire suppression systems including…
  • Fire Alarms
  • Fire Sprinklers
  • Fire Detection and Control Systems
  • Fire Pumps
  • Wet Systems
  • Dry Systems
  • Ansul Systems
  • Antifreeze Systems
  • Preaction Systems
  • Standpipes
  • Main Drains
  • Fire extinguisher sales, service, repair
  • Restaurant hood and duct cleaning
  • Fire protection equipment dealers
  • Restaurant fire suppression installation service and repair
Fire Sprinkler Installation Insurance
Our specialty insurance program for fire protection operations offers the following coverages:
  • General Liability
  • Professional Liability (Errors & Omissions)
  • Engineers/Designers Professional Liability
  • Products/Completed Operation
  • Contractual Liability
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella
  • Bonds
Fire Suppression 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
Fire Detection and Control System Insurance
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.
Fire Alarm Insurance
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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.