Fire Protection Contractors Insurance
SPECIALIST INSURANCE FOR FIRE PROTECTION CONTRACTORS
Safeguard your Fire Protection business with a specialised insurance solution tailored to your company’s needs.
To get a Fire Protection Contractors Insurance quote, call us now on 01892 511 144 or click below, and we’ll call you back.
Why get Fire Protection Contractors' Insurance through Darwin Clayton?
We provide a Fire Protection Contractor’s Insurance policy specifically tailored to your company’s needs, addressing the unique risks associated with your business activities. You will have a dedicated Insurance advisor who understands your industry and is here to offer you professional guidance and advice, not only helping you arrange comprehensive insurance coverage but also helping identify insurance risks and gaps in cover.
We have a strong reputation for reliability and integrity in the insurance industry. Partnering with us will provide:
- Professional advice
- Fire Protection Contractor’s Insurance tailored to your company
- A dedicated insurance advisor
- Assistance should you need to make a claim
- Discounts for companies with good claims records
As you can see, your business insurance is in excellent hands with Darwin Clayton
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What does Fire Protection Contractors' Insurance cover?
Fire Protection Contractors’ Insurance is designed to cover unique risks faced by companies that install, service, and maintain fire protection systems, such as sprinklers, dry/wet risers and extinguishers. This insurance solution includes the following standard covers:
As an employer, you are responsible for the health and safety of your employees whilst at work. Employers’ Liability Insurance (EL insurance as it’s also known) of £5m is a legal requirement if you have any staff. Businesses that hire people without this insurance cover can face fines of up to £2,500 for each day they are uninsured. If your employee is injured or becomes ill because of the work they do for you and they bring a claim for compensation against your business, you will be protected.
Public Liability Insurance for fire protection contractors covers your business if you or your employees are held liable for accidental injury to your clients, customers, or the public or for damage to their property as a result of your business’s activities.
If your company fails to carry out your contracted fire protection services, then you could be held liable for the resulting damage.
If the products you supply to customers cause damage or injury, you could be held liable in the event of the claim.
If a product you supply fails to perform its intended function, this could result in disastrous consequences and significant losses for your clients. Product Inefficacy Insurance will protect your business from the resulting claim investigation, defence, legal proceedings, and compensation.
This covers your legal liability for claims arising out of any unlawful physical restraint of a person by one of your employees.
This cover provides protection for claims made against you by your customers as a result of theft of customer’s money or property, fraud or embezzlement.
This cover provides protection against loss of your own money, stock or property sustained from the dishonest or fraudulent act of an employee.
If you’re entrusted with a client’s keys, and you lose them, this will cover the cost of replacing the keys and a change of locks if necessary.
Financial Loss Insurance covers your business against losses which you become legally liable to pay as compensation, plus costs and expenses for accidental financial loss where no damage has occurred.
If you offer any consultancy or advisory services, then professional indemnity – or PI insurance – is important for protecting your business.
Professional Indemnity Insurance protects you against claims for losses arising from negligent advice, design or specification you have provided. This cover is often a contractual requirement, even when you do not provide any consultancy or advice.
In the event of an insured incident, your business could face adverse or negative publicity or media attention. This cover provides for reasonable and necessary costs incurred in utilising the services of the crisis containment service to limit or mitigate the impact of a crisis on your business.
Are there any policy options for Fire Protection Contractors' Insurance?
Depending on the nature of your work, you may require optional cover in your Fire Protection Contractors Insurance quote:
Covers your office contents, computer equipment, trade plant and machinery, stock, and buildings.
Covers your computers, equipment, stock, tools & plant at any contract site in the UK or whilst in transit.
Covers financial losses following an incident such as fire or flood, protecting your business should you incur additional costs to continue trading to your previous level.
This cover will protect your business from losses and damages resulting from acts of terrorism
If equipment at your premises or computers suffers a breakdown, this covers reconstitution of data costs and temporary hire of a suitable item whilst the items is repaired or replaced.
Does Darwin Clayton offer any additional policies to protect your business?
Darwin Clayton also can arrange a number of additional policies to provide comprehensive insurance solution for your business:
This covers your contract works, own plant, hired in plant and tools.
This cover is becoming more important for modern businesses due to the increase in cyber-attacks in the UK. The 2024 Cyber Security Breaches Survey, conducted for the UK Government, revealed that half of the UK businesses reported cyber security breaches or attacks in the past 12 months. Learn more about Cyber Insurance.
Also known as directors & officers or D&O insurance. This covers the cost of any compensation claims made against your directors, officers, or high-ranking management for alleged wrongful acts. Claims could be made by disgruntled employees, clients, investors, stakeholders, and even regulators and could involve civil, criminal, or regulatory proceedings. A management liability policy can also cover any legal costs that arise for directors in defending their cases. Learn more about Management Liability Insurance.
With the many risks faced by businesses, seeking legal advice and formulating legal documents, such as employment contracts, can be time-consuming and expensive when the services of solicitors and other legal experts are engaged. Legal expenses cover not only offers the services of legal representation but also provides free legal advice on a range of legal problems and access to a suite of helpful documents.
This insurance cover includes three core elements:
- A separate cover for your computer equipment.
- Contractor’s Plant covers your machinery.
- If your equipment should be inspected regularly, this policy covers you for statutory inspection service.
If one of your employees has an accident, and it leads to temporary or permanent disablement, or even death, a benefit payment will be made. Business travel can also be added to this cover.
- Motor Fleet Insurance covers your multiple vehicles on a single policy. It can be a mix of vehicles, including vans, cars, and trucks.
- Uninsured Loss Recovery Insurance pays for a solicitor to pursue a guilty third party for recovery of your uninsured losses such as policy excess, hire vehicle charge, loss of earnings; as well as costs to pursue a personal injury claim.
- GAP Insurance will cover the outstanding balance of a finance or lease agreement on your motor vehicle following its write-off or up to 25% of the write-off value.
If a customer fails to pay you for services or products, whether it’s due to insolvency, refusal, or inability to pay, credit insurance will indemnify your losses. This insurance will also provide insights into customers’ credit ratings and what limits of credits to offer.
This cover offers you a loss adjuster to work on your behalf to investigate and present your property and business interruption claim to the insurer. This cover can be invaluable if your business suffers a serious loss following a flood or fire.
Performance Bonds are a type of surety bond and are written promises to pay for direct loss of damage suffered by third party as a result of a breach of contract. Performance bonds are typically issued for 10% of contract value and are common with construction projects to protect the employer against the contractor failing to fulfil their contractual obligations.
As with all insurance policies, exclusions and limitations apply. Contact us for more information.
Fire Protection Contractors' Insurance FAQs
It’s important for fire protection contractors to get the right insurance. To help you do that, here are our fire protection contractors insurance frequently asked questions. We hope they are helpful, but if you’d like any advice or a fire protection contractors insurance quote, then please call us on 01892 511 144.
You are only legally obliged to have insurance if you employ staff. Employers’ Liability Insurance is a legal requirement and helps cover claims from your employees who are injured or become ill due to their work.
Even if you are not legally required to have insurance in place, some covers are essential, such as Public Liability Insurance. Many clients will require contractors to have this insurance before they are allowed to work on a project. If you would like more information on your Fire Protection Contractors Insurance, please call us on 01892 511 144 or get a quote here.
Fire Protection Contractors who design, install, and maintain fire protection systems face a wide range of risks requiring specific insurance cover. Some of the essential covers are Public Liability Insurance, Employers, Liability Insurance, Professional Indemnity Insurance, Business Interruption Insurance, and Management Liability Insurance. Depending on the specific nature of your business, additional covers, such as Cyber Insurance or Motor Fleet Insurance, may also be needed. If you require professional advice regarding your Fire Protection Contractors Insurance, please call us on 01892 511 144. Our team of insurance professionals are here to help.
Fire Protection Contractors Insurance helps protect your business against a wide range of financial risks and liabilities, such as costs arising from property damage, injury claims, or legal disputes related to the installation, maintenance, or servicing of fire protection systems. To find out more about Fire Protection Contractors Insurance, please feel free to call us on 01892 511 144. our team of insurance specialists are here to offer you free professional advice.
We can arrange cover for a wide range of Fire Protection Contracting businesses, including Active and Passive Fire Protection Businesses.
Active and Passive Fire Protection Activities
There are two types of fire protection activities: Active Fire Protection (AFP) and Passive Fire Protection (PFP).
Passive Fire Protection, comprising:
- Application of fire-resisting products/coatings to the fabric of buildings that help prevent the spread of fire
- Installation / maintenance of Fire spread inhibitors including:
- Fire doors
- cavity barriers
- service penetration and linear gap sealing systems
- fire resisting partitions and ceiling membranes
- timber, steel and fire resisting door sets
- fire rated glazed screens
- dampers
- roller shutters
- motorised smoke & fire curtains
Active Fire Protection, comprising:
- Installation & maintenance of sprinkler systems
- Wet risers & dry risers
- Installation & maintenance of gaseous extinguishing systems
Active Fire Protection (AFP)
Active Fire Protection activities help to detect, suppress, or extinguish fires. It could be a person stopping a fire with a portable fire extinguisher or a smoke detector that triggers an alarm or automatic sprinkler.
Active Fire Protection products include:
Fire Alarm Systems:
Smoke detectors, heat detectors, and fire alarms that alert occupants of a fire.
Fire Suppression Systems:
Sprinkler systems, gas suppression systems, and fire extinguishers that work to put out fires.
Emergency Escape Lighting:
Lighting that activates during power outages to ensure safe evacuation.
Fire Alarms and Communication Systems:
Systems that alert occupants and emergency services of a fire.
Like some more Fire Protection Contractors Insurance help?
If you’d like some help with your Fire Protection Contractors Insurance, please give us a call on 01892 511 144. Our team of insurance professionals will be happy to help you get the protection you need and offer you an Fire Protection Contractors Insurance quote.