Insurance for fire sprinkler contractors.

General liability, errors and omissions, workers’ comp, and auto for fire sprinkler installers and inspectors, where one accidental discharge can flood a building and one inspection can be questioned years later.

What fire sprinkler contractors usually carry

General liability, $1M / $2M
Errors and omissions
Workers’ comp
Commercial auto
Installation floater
Umbrella

Watch for these in a fire sprinkler policy

Accidental dischargeA broken head or a failed test can flood several floors. Some policies cap water damage or exclude discharges during testing.
Inspection and testingA claim that you passed a system that then failed in a fire is about your professional judgment. That needs errors and omissions, not just general liability.
Design and calculationsIf you lay out systems or run hydraulic calculations, many contractor policies exclude that as professional work. Design needs its own coverage.
Freeze-upsDry systems and pipes in unheated spaces freeze. A freeze-up after your service can be pinned on your work, and some policies limit freeze damage.
Alarm and monitoring workTying into alarm panels or monitoring systems is a separate exposure. Many sprinkler policies exclude alarm work unless it is listed.

What GCs, owners, and property managers ask fire sprinkler contractors for

Additional insuredGCs and owners, for ongoing and completed operations.
Errors and omissionsOwners and property managers often require a professional limit on inspection contracts.
Waiver of subrogationOn general liability, workers’ comp, and auto.
Primary and noncontributoryYour policy pays first on claims from your work.

Questions fire sprinkler contractors ask

Straight answers.

The questions we hear most, answered plainly.

Who pays if a sprinkler head we installed goes off?

If it causes water damage, general liability usually pays, unless the policy caps or excludes water damage. Replacing the head itself is your own work.