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

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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  Hiscox The 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? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can 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  NEXT Thimble (Best) Hiscox The 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? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No


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

Compare Cheap Fire Sprinkler Contractor Insurance Quotes Online

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Commercial Property Insurance for Fire Sprinkler Contractors

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
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 signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


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

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
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? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


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.


Tools and Equipment Insurance for Fire Sprinkler Contractors

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance covers loss, theft, or damage to your specialized tools, machinery, and equipment. Coverage limits can range from a few thousand to several hundred thousand dollars, depending on the cost of your tools and equipment.


Specific Situations Covered by Tools and Equipment Insurance for Fire Sprinkler Contractors

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

  • Accidental damage to equipment on job sites or during transportation

  • Coverage for rented or borrowed equipment used in your operations

Add-Ons to Tools and Equipment Insurance for Fire Sprinkler Contractors

  • Installation floater coverage to protect equipment while it is being installed at client sites

  • Employee tools coverage to extend protection to tools owned by your employees

How is the Coverage Limit Determined for Tools and Equipment Insurance?

The coverage limit for tools and equipment insurance is typically based on the total value of your inventory. It is important to accurately assess the value of your tools and equipment to ensure appropriate coverage.


Workers’ Compensation Insurance for Fire Sprinkler Contractors

Worker’s compensation insurance for fire suppression contractors insurance programs covers various expenses related to work-related injuries or illnesses. These expenses typically include medical costs, lost wages, and rehabilitation expenses. The coverage limits for worker’s compensation insurance vary depending on state requirements and the number of employees in your fire sprinkler contracting business.


Specific Situations Covered by Workers’ Compensation Insurance for Fire Sprinkler Contractors

  • Injuries caused by falls, lifting heavy equipment, or accidents on job sites

  • Occupational illnesses result from exposure to hazardous substances or prolonged physical strain

  • Lost wages and rehabilitation expenses incurred during the recovery process

Add-Ons to Workers’ Compensation Insurance for Fire Sprinkler Contractors

While worker’s compensation insurance typically does not have add-ons, it’s important to note that some insurance providers may offer additional services or benefits to enhance coverage, such as:

  • Return-to-work programs are aimed at helping injured employees transition back to their job responsibilities

  • Safety training resources help prevent workplace injuries and promote a safer working environment

  • Claims management support assists businesses with the claims process and guides handling worker’s compensation claims effectively

What Are the Penalties for Not Having Workers’ Compensation Insurance for Fire Sprinkler Contractors?

Penalties for not having worker’s compensation insurance vary by jurisdiction but include fines, legal penalties, and potential liability for all expenses related to employee injuries or illnesses.


Commercial Auto Insurance for Fire Sprinkler Contractors

Commercial auto insurance covers vehicles used in business operations, including liability for third-party bodily injury or property damage, collision coverage, and comprehensive vehicle coverage. Coverage limits vary based on the specific policy and business needs.


Specific Situations Covered by Commercial Auto Insurance for Fire Sprinkler Contractors

  • Accidents involving your business vehicles cause property damage or injuries to third parties

  • Damage to your business vehicles due to collisions, theft, vandalism, or natural disasters

  • Coverage for rented or borrowed vehicles used in your operations

Add-Ons to Commercial Auto Insurance for Fire Sprinkler Contractors

  • Hired and non-owned auto coverage to extend protection to vehicles not owned by your business but used for work purposes

  • Equipment breakdown coverage for specialized equipment installed in your business vehicles

Does Commercial Auto Insurance Cover Personal Vehicles Used for Business Purposes?

No, personal vehicles used for business purposes aren’t covered under your commercial auto policy by default. You can make changes though and add such vehicles to the policy document for coverage to apply in case something happens. Ensuring proper coverage for each vehicle used in your fire sprinkler contracting business is essential.

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Fire Sprinkler Contractor Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $38 $456 $0-$500
Professional liability insurance $40 $480 $500-$1,000
Commercial property insurance $45 $540 $1,000-$2,000
Business owner’s policy $83 $996 $1,000-$2,000
Tools and equipment insurance $41 $492 $1,500
Workers compensation insurance $100 $1,200 $500-$1,000
Commercial auto insurance $70 $840 $500-$1,000


The average cost of fire protection contractor insurance is $38 per month or $456 per year for a $1 million general liability policy. Several factors can impact the cost of fire sprinkler contractor insurance, including the size and revenue of your business, coverage limits, the number of employees, the location of your operations, and the claims history. Here’s a table showing the rates of companies we recommend:

Cost per Month Cost per Year Best For
NEXT $25 $300 Best overall; Fastest general liability insurance for fire sprinkler contractors
CoverWallet $27 $324 Comparing fire sprinkler contractor insurance quotes online
The Hartford $29 $348 Industry expertise and tailored coverages
Tivly $31 $372 Comparing fire sprinkler contractor insurance quotes over the phone
Thimble $33 $396 On-demand coverage options
Hiscox $35 $420 Customizable coverage and expertise

Compare Cheap Fire Sprinkler Contractor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Fire Sprinkler Contractor Insurance Companies

When selecting an insurance company for your fire sprinkler contracting business, choosing a reputable provider with comprehensive coverage options and excellent customer service is crucial. Here are some leading insurance companies in the industry. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.


NEXT Fire Sprinkler Contractor Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for fire sprinkler contractors

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any 

NEXT has established itself as a reputable fire protection contractor insurance provider but also specializes in providing insurance solutions for a wide range of industries, including construction, cleaning, fitness, beauty, and more. With comprehensive coverage options, competitive rates, and a user-friendly online platform, they are well-suited to meet the needs of fire sprinkler contractors seeking reliable and convenient insurance solutions.

Best for: Best overall; Fastest general liability insurance for fire sprinkler contractors

Average cost: $25 per month

Our rating: 10/10


CoverWallet Fire Sprinkler Contractor Insurance

Pros

  • The streamlined online application process for fire protection contractor insurance

  • Ability to compare quotes from multiple insurers, allowing for easy comparison

  • Provides access to dedicated customer support for assistance with insurance inquiries and claims

Cons

  • Some businesses may find that certain coverage options are limited or not available

  • It may require providing detailed business information and speaking with an agent to obtain accurate quotes

  • The average fire protection contractor insurance cost may be limited, requiring personalized quotes for accurate pricing

CoverWallet is an established provider of tailored insurance coverage options, specifically catering to the needs of fire sprinkler contractors. Their policies typically include general liability insurance, which protects against third-party bodily injury, property damage, and advertising injury claims. They offer a user-friendly online platform that simplifies the insurance application and comparison process.

Best for: Comparing fire sprinkler contractor insurance quotes online

Average cost: $27 per month

Our rating: 10/10


The Hartford Fire Sprinkler Contractor Insurance

Pros

  • Extensive experience in the insurance industry, particularly for commercial coverage needs

  • Offers tailored coverages specifically designed for fire sprinkler contractors

  • Recognized for their expertise and knowledge in various sectors, including fire protection

Cons

  • Quotes may require speaking with an agent

  • Certain coverages or policy features may have limitations or exclusions.

  • Availability of coverage options may vary based on the location and specific business details

The Hartford is a reputable insurance company with a strong focus on industry expertise and tailored coverages. Their experience in the insurance industry, specific knowledge of fire protection, and commitment to meeting the needs of fire sprinkler contractors make them a reliable choice for businesses in this field.

Best for: Industry expertise and tailored coverages

Average cost: $29 per month

Our rating: 8/10


Tivly Fire Sprinkler Contractor Insurance

Pros

  • User-friendly online platform for a streamlined insurance experience

  • Offers customizable coverage options to meet the specific needs of fire sprinkler contractors

  • Provides efficient and responsive customer support

Cons

  • Limited coverage options for larger businesses

  • Some businesses may find specific coverage options to be limited or unavailable

  • Additional add-ons or specialized coverages may be less comprehensive compared to other providers

Tivly is a trusted insurance provider known for offering a simplified experience to its customers. They prioritize user-friendly online platforms and customizable coverage options to meet the specific needs of fire sprinkler contractors. Call now to compare quotes over the phone. 

Best for: Comparing fire sprinkler contractor insurance quotes over the phone

Average cost: $31 per month

Our rating: 8/10


Thimble Fire Sprinkler Contractor Insurance

Pros

  • Flexible coverage options for short-term projects, easy online application process

  • Pay-per-use policies offer flexibility, allowing contractors to obtain coverage for specific projects or timeframes

  • Transparent pricing with no long-term commitments, providing cost-effective options for contractors

Cons

  •  Limited coverage options for long-term policies

  • The availability of specific coverage options may vary depending on the location and nature of the project.

  • The scope of coverage may be limited compared to traditional annual insurance policies.

Thimble is a leading insurance provider that specializes in offering simplified and flexible solutions for fire suppression contractors insurance. They are known for their on-demand coverage options and user-friendly online application process.

Best for: On-demand coverage options

Average cost: $33 per month

Our rating: 8/10


Hiscox Fire Sprinkler Contractor Insurance

Pros

  • Flexible coverage limits and customizable options to meet the unique needs of businesses

  • Excellent customer service and support to assist with insurance inquiries and claims

  • Offers valuable risk management resources to help fire sprinkler contractors mitigate risks and improve safety practices

  • Their solid financial position ensures they have the resources to meet their policyholders’ claims obligations

Cons

  •  Some businesses may find specific coverage options limited or unavailable

Hiscox is a trusted insurance company that specializes in providing comprehensive and specialized coverage for fire sprinkler contractors. Their customizable coverage options, expertise in the industry, and commitment to excellent customer service make them a reliable choice.

Best for: Customizable coverage and expertise

Average cost: $35 per month

Our rating: 8/10

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