Fire Protection Services

Your fire protection operation may install, inspect, test, service and repair a variety of fire suppression systems including…Fire Sprinkler Installation Insurance

  • 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

Our specialty insurance program for fire protection operations offers the following coverages:

  • General Liability
  • Professional Liability (Errors & Omissions)Fire Suppression Insurance
  • Engineers/Designers Professional Liability
  • Products/Completed Operation
  • Contractual Liability
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella
  • Bonds

Liability Coverage may include:

  • Limits up to $1 million per occurrence/$3 million aggregate
  • E & O Professional Liability – at policy limits
  • Premises and Completed OperationsFire Detection and Control System Insurance
  • 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 Dishonestyno interest payment plan option
  • Mobile Equipment
  • EDP Coverage
  • Installation Floaters
  • Equipment and Tool Floaters
  • Auto (not available in Michigan)


  • License and permit bonds
  • Business service bondsFire Alarm Insurance
  • 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.

It’s easy to get started on your quote.

Our online questionnaire works great on smart phones, tablets, desktops and laptops.

Just click to get started…

Fire Suppression Insurance Questionnaire

To receive your quote…

  • Complete the questions
  • Preview your answers
  • Click “Submit” when you’re done.
  • You’ll get a “Thank you” screen to tell you we received it.

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.

Areas Served

areas served


Kevin Morency
Morency & Associates, Inc.
1194 Long Hollow Pike
Gallatin, TN 37066

615-452-4532     (Phone)
877-244-9090     (Toll-Free)
630-240-4299     (Mobile)
615-452-6580     (Fax)
Kevin Morency   (Email)