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Fire Sprinkler Contractor Insurance: Cost & Quotes From $38/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. General Liability Insurance for Fire Sprinkler Contractors1.1. Add-Ons to General Liability Insurance for Fire Sprinkler Contractors2. Professional Liability Insurance for Fire Sprinkler Contractors2.1. Specific Situations Covered by Professional Liability Insurance for Fire Sprinkler Contractors2.2. Add-Ons to Professional Liability Insurance for Fire Sprinkler Contractors3. Commercial Property Insurance for Fire Sprinkler Contractors3.1. Specific Situations Covered by Commercial Property Insurance for Fire Sprinkler Contractors3.2. Add-Ons to Commercial Property Insurance for Fire Sprinkler Contractors4. Business Owner's Policy for Fire Sprinkler Contractors4.1. Specific Situations Covered by Business Owner's Policy for Fire Sprinkler Contractors4.2.  Add-Ons to Business Owner's Policy for Fire Sprinkler Contractors4.3. What Are the Benefits of Purchasing a Business Owner’s Policy for Fire Sprinkler Contractors?5. Tools and Equipment Insurance for Fire Sprinkler Contractors5.1. Specific Situations Covered by Tools and Equipment Insurance for Fire Sprinkler Contractors5.2. Add-Ons to Tools and Equipment Insurance for Fire Sprinkler Contractors5.3. How is the Coverage Limit Determined for Tools and Equipment Insurance?6. Workers' Compensation Insurance for Fire Sprinkler Contractors6.1. Specific Situations Covered by Workers' Compensation Insurance for Fire Sprinkler Contractors6.2. Add-Ons to Workers' Compensation Insurance for Fire Sprinkler Contractors6.3. What Are the Penalties for Not Having Workers’ Compensation Insurance for Fire Sprinkler Contractors?7. Commercial Auto Insurance for Fire Sprinkler Contractors7.1. Specific Situations Covered by Commercial Auto Insurance for Fire Sprinkler Contractors7.2. Add-Ons to Commercial Auto Insurance for Fire Sprinkler Contractors7.3. Does Commercial Auto Insurance Cover Personal Vehicles Used for Business Purposes?8. Fire Sprinkler Contractor Insurance Cost9. Best Fire Sprinkler Contractor Insurance Companies9.1. NEXT Fire Sprinkler Contractor Insurance 9.1.1. Pros9.1.2. Cons9.2. CoverWallet Fire Sprinkler Contractor Insurance 9.2.1. Pros9.2.2. Cons9.3. The Hartford Fire Sprinkler Contractor Insurance 9.4. Tivly Fire Sprinkler Contractor Insurance 9.4.1. Pros9.4.2. Cons9.5. Thimble Fire Sprinkler Contractor Insurance 9.6. Hiscox Fire Sprinkler Contractor Insurance 9.6.1. Pros9.6.2. Cons

A fire alarm isn’t the only requirement for operating a commercial building legally. Authorities also demand fire sprinklers. Fire sprinkler contractors are ready and waiting to install these. 

Protecting your business against potential risks and liabilities is crucial as a fire sprinkler contractor. Fire sprinkler contractor insurance provides comprehensive coverage to safeguard your operations, assets, and employees. 

This article will explore the various insurance policies available, their coverage limits, add-ons, and more. Additionally, we will provide insights into the costs involved and present quotes from leading insurance companies in the industry.

General Liability Insurance for Fire Sprinkler Contractors


CoverWallet NEXT (Best)Thimble HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$1,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit $2,000,000
$1,000,000$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit $100,000
$100,000$5,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included


General liability insurance for fire sprinkler contractors offers coverage for legal expenses, third-party medical costs, third-party property damage repairs, and settlements or judgments resulting from covered incidents. The specific coverage limits typically range from $1 million to $5 million, depending on the policy and the specific requirements of your fire suppression contractors insurance programs.


Add-Ons to General Liability Insurance for Fire Sprinkler Contractors

  • Product liability insurance to protect against claims arising from faulty fire sprinkler system components

  • Completed operations coverage to address claims arising from faulty installation or maintenance work


Professional Liability Insurance for Fire Sprinkler Contractors


CoverWallet NEXTThimble (Best)HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo


Professional liability insurance for fire sprinkler contractors covers claims that arise from errors, omissions, or negligence in your professional services. The specific coverage limits for this fire suppression contractors insurance can vary, but they typically range from $100,000 to $2 million, depending on the policy and your business requirements.


Specific Situations Covered by Professional Liability Insurance for Fire Sprinkler Contractors

  • Design errors or omissions in fire sprinkler system plans to result in property damage or bodily injury

  • Claims related to faulty advice or recommendations from clients regarding fire safety measures

  • Allegations of professional negligence or failure to meet industry standards in the design or installation of fire sprinkler systems


Add-Ons to Professional Liability Insurance for Fire Sprinkler Contractors

  • Technology errors and omissions insurance to address claims arising from errors in fire sprinkler system software design 

  • Cyber liability insurance protects against data breaches or cyberattacks that compromise client information

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Commercial Property Insurance for Fire Sprinkler Contractors


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
Building coverage limit (minimum)$50,000$330,000$25,000/$500,000$60,000$25,000
Contents coverage limit (minimum)$50,000$35,000$25,000/$500,000$60,000$15,000
Outdoor signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


Commercial property insurance covers damage or loss to your property caused by covered perils such as fire, theft, vandalism, or natural disasters. Coverage limits can vary based on the value of your property and the specific policy, ranging from $100,000 to several million dollars.


Specific Situations Covered by Commercial Property Insurance for Fire Sprinkler Contractors

  • Fire damage to your office, warehouse, or workshop

  • Theft or vandalism resulting in the loss of valuable equipment or tools

  • Business interruption costs due to a covered event, such as a fire, that temporarily halts your operations


Add-Ons to Commercial Property Insurance for Fire Sprinkler Contractors

  • Equipment breakdown insurance to protect against mechanical or electrical failures of fire sprinkler system components

  • Inland marine coverage to cover tools and equipment while in transit to and from job sites


Business Owner's Policy for Fire Sprinkler Contractors


CoverWalletNEXT (Best)Thimble The HartfordHiscox
General liability aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Commercial property coverage limit $50,000$330,000$25,000/$500,000$75,000$75,000
Optional policies can be added?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


A BOP provides bundled coverage, including general liability and commercial property insurance. The coverage limits for a BOP are similar to those of individual general liability and commercial property insurance policies, offering financial protection against bodily injury, property damage, and other covered perils.


Specific Situations Covered by Business Owner's Policy for Fire Sprinkler Contractors

  • Property damage caused by fire, theft, or other covered perils

  • Third-party bodily injury claims occurring on your premises or as a result of your operation

  • Damage to clients' property was caused during fire sprinkler system installation or maintenance


 Add-Ons to Business Owner's Policy for Fire Sprinkler Contractors

  • Equipment breakdown coverage covers for the repair or replacement of essential equipment

  • Crime insurance provides coverage for financial losses caused by theft, social engineering, forgery, and other dishonest acts


What Are the Benefits of Purchasing a Business Owner’s Policy for Fire Sprinkler Contractors?

A business owner's policy provides convenience and cost savings by bundling essential coverages into a single package, ensuring comprehensive protection for your business operations and assets.