Insurance Protection Advisors’ Fire Suppression & Fire Sprinkler Program provides custom-made coverages unique to the hazards of this specialty contractor trade.

Eligible Accounts

• Fire Suppression industry contractors – contractors that engage in the design, fabrication, installation, testing, service, and repair of fixed water type and “special hazard” suppression systems
• Fire Alarm installation contractors – installing, testing, and repairing commercial and residential alarm systems
• Fire Extinguisher contractors – servicing, refilling, and/or testing fire extinguishers

Coverages Offered

General Liability:

• $1,000,000 per occurrence
• $2,000,000 aggregate
• $2,000,000 products/ completed ops aggregate
• $1,000,000 personal & advertising injury
• $300,000 fire damage limit
• $10,000 medical payments

Excess Liability:

• Up to $5,000,000 in-house authority
• Excess over controlled primary General Liability/Professional Liability and “A-VIII” rated Employers Liability & Commercial Auto coverages

Also Available:

• Worksite Pollution coverage
• Primary/Non-contributory wording
• Per project aggregate
• Employee Benefits Liability

Submission Requirments

• ACORD Application
• 5 years currently valued loss runs dated within past 90 days and details of any claims $25,000 or more
• Resume of owners for businesses in operation less than 5 years
• Completed Fire Sprinkler Contractors Supplemental Application

Minimum Premium

$10,000

Territory

All states except, Alaska, Hawaii, New York, and Cook County, Illinois

Why IPA?

• All in-house authority
• Web-based application system for faster processing & quoting
• Carrier “A” Rated by A.M. Best