Fire Protection Contractors Liability and Indemnity Insurance
It might be hard to believe, but providing solutions to prevent losses from a fire can carry its own risks – Especially for fire protection contractors. Poor advice given to your client or an accident on site could have serious repercussions for your business.
As a fire protection contractor, you understand the importance of providing your clients with a high-quality service that meets their safety needs. However, even with the best safety measures in place, accidents can happen, and if they do, you need to be prepared. That’s where liability and indemnity insurance comes in.
Compare Fire Protection Liability and Indemnity Insurance
As specialists in Liability and Indemnity Insurance, at Clarke Williams, we provide fire protection contractors like you with the insurance coverage they need to protect themselves and their clients in the event of accidents, injuries, or property damage. We recognise the complexities of the fire industry and understand the challenges of finding the right cover which not only protects your assets and staff but also complies with industry contract requirements and regulations. The work you undertake is complex at times but your insurance solution doesn’t have to be.
Our insurer partners provide specialist insurance for fire contractors, giving you the peace of mind your business is covered should a loss arise as a result of injury to members of the public, damage to your client’s property, injury to employees whilst on site or worst of all your product or service failing.
Who needs cover?
Our clients include fire protection specialists (whether working as the main contractor or subcontractor to the principal), specialist suppression engineers carrying out design activities and those in high-risk locations including data centres, manufacturing plants, power plants and fire protection contractors.
We can provide indemnity and liability insurance quotes for the following trades:
- Fire alarm contractors
- Fire sprinkler system contractors
- Smoke alarm installers
- Portable and fixed extinguisher installers
- Emergency lighting
- Passive fire protection including intumescent spraying
- Security Contractors
- Wet/dry risers
- Access control
If you’re a Fire Protection Contractor working alone or with a team of employees, having sufficient coverage is crucial to safeguard your business.
For a bespoke Fire Protection Contractors Liability and Indemnity Insurance quote
contact our Liability specialists today on 01732 252 898
or submit your details below
Submit your details for a quote
Types of Cover
Public and Products Liability Insurance offers protection for bodily injury to third parties or property damage that may occur during your daily activities, such as damage to a client’s property or nearby premises while performing work. At Clarke Williams, we offer Public Liability limits ranging from £1,000,000 to over £10,000,000 to suit your specific needs.
Employers Liability Insurance covers you for liability arising from employees who sustain an injury or illness during the course of their employment with you. It is a legal requirement for all employers within the UK to hold this cover and the minimum statutory limit is £5,000,000, however, most insurers provide £10,000,000 as standard.
You may need Employers Liability Insurance for someone who works for you if:
- You deduct national insurance and income tax from the money you pay them
- You have the right to control where and when they work and how they do it
- You supply their work materials and equipment
- Your contract states that you are responsible for their actions and supervision of such
Contract Works Insurance provides coverage for construction work during the construction period before it is handed over to the principal or employer upon practical completion. In the event of an insured event such as fire, flood, storm, vandalism or theft, it can cover the cost of repairing or redoing work in progress, including both permanent and temporary works.
Construction Professional Indemnity Insurance, also known as Design and Construct Professional Indemnity, protects contractors and subcontracted specialists, such as lighting or fire suppression designers, from allegations related to errors in their work or incorrect design. This insurance also covers rectification costs required to correct any issues that occurred during construction or in the design phase.
Additionally, we offer insurance for Hired In Plant, Own Plant, Tools, and Commercial Fleet.
What’s included? – The specialist Extensions
At Clarke Williams, we offer a range of extensions to our liability insurance that aren’t typically included in generic policies. These extensions provide additional coverage to protect your business from a variety of risks.
Efficacy coverage protects you in the event that a service or product fails to fulfil its intended function, resulting in damage or loss to property. For example, if a fire alarm or sprinkler system fails, causing damage to a client’s property, Efficacy coverage would help cover the costs.
Defective Workmanship coverage
This protects you in the event that faulty workmanship causes damage or injury. This coverage specifically excludes damage to the part that was being worked on or supplied.
Financial Loss Extension
his extension provides coverage for pecuniary losses or expenses sustained by a third party as a result of a defect or unsuitability of works, which do not cause bodily injury or property damage. This helps protect you from financial losses that may result from a mistake or error on your part.
Why Choose Clarke Williams?
Choosing Clarke Williams insurance brokers means you can have peace of mind that you are receiving comprehensive insurance coverage that is tailored to your specific needs. With over 50 years of experience and technical knowledge, our independent insurance brokers only work for you, the customer, ensuring that you receive unbiased advice and guidance.
We focus on high-risk trades and can provide cover for ‘Hot Works’. Our team of experts work with insurers who are comfortable with a high proportion of Bona Fide Subcontracted Labour, ensuring that all aspects of your business are covered. We have access to specialist markets that can provide policies with no height and depth limits if required, allowing us to accommodate high-risk locations such as data centres, manufacturing plants, sub-stations, and power plants.
All our staff are UK-based, so you can be assured of receiving personal service and attention from our dedicated account managers with specialist knowledge in your industry. If you are interested in receiving a no-obligation quotation for your Fire Protection Liability and Indemnity Insurance, call 01732 252 898 and speak to one of our account executives today.
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