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
Follow Form 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 Minnesota, 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