Question 1

What is a common misconception about General Liability for Fire Protection Contractors?

Accepted Answer

Fire-protection contractors think their work prevents losses, not causes them. A sprinkler-discharge during testing on an art gallery's storage area can hit $250K instantly. And a system that fails to discharge in a real fire faces decades of subrogation.

Question 2

What happens if fire protection contractors don't have General Liability?

Accepted Answer

An accidental discharge during pressure testing soaks $190K of inventory. GL with sudden/accidental water-damage coverage pays.

Question 3

What is a common misconception about Workers' Compensation for Fire Protection Contractors?

Accepted Answer

Service-only firms think they're low-risk. Working at heights and in confined spaces (mechanical rooms) drives up class rates.

Question 4

What happens if fire protection contractors don't have Workers' Compensation?

Accepted Answer

Tech falls 18 ft from a lift in a warehouse — $140K medical. WC handles.

Question 5

What is a common misconception about Commercial Auto for Fire Protection Contractors?

Accepted Answer

Personal auto won't cover business-titled vehicles.

Question 6

What happens if fire protection contractors don't have Commercial Auto?

Accepted Answer

Service van rear-ends a vehicle — $90K. Commercial auto pays.

Question 7

What is a common misconception about Professional Liability (E&O) for Fire Protection Contractors?

Accepted Answer

Fire-protection design carries some of the longest tail liability in any trade — a sprinkler that fails 8 years later is still your design.

Question 8

What happens if fire protection contractors don't have Professional Liability (E&O)?

Accepted Answer

A hospital sprinkler fails to operate during a small fire that grows to $1.4M. Subrogation against your firm names design negligence. E&O defends and pays.

Question 9

What is a common misconception about Inland Marine (Tools & Equipment) for Fire Protection Contractors?

Accepted Answer

Inventory of pipe and fittings adds up — a typical commercial install can have $20K–$60K of materials staged.

Question 10

What happens if fire protection contractors don't have Inland Marine (Tools & Equipment)?

Accepted Answer

Threader and tester ($8K) stolen from job site. Inland marine pays.

Question 11

What is a common misconception about Commercial Umbrella for Fire Protection Contractors?

Accepted Answer

Most commercial/healthcare/government contracts require $5M+.

Question 12

What happens if fire protection contractors don't have Commercial Umbrella?

Accepted Answer

Failure to operate during a hospital fire — $8M subrogation. $1M GL + $1M E&O + $5M umbrella pays.

Fire Protection Contractors Insurance Coverage Guide | RISKX