Insurance for Fire Alarm and Sprinkler Companies in Massachusetts

Insurance Coverages for the Fire Safety Industry

While all businesses face risk, fire alarm and sprinkler companies in Massachusetts have their own set of unique challenges. Industry-specific threats to your business include:

Water damage during sprinkler installations
Fire system failures leading to bodily injuries and property damage
Theft or damage of specialized tools and equipment
Legal repercussions from faulty installations
Data breach of client billing information

For over 50 years, our local office has provided local manufacturers, consultants and contractors, including fire alarm and sprinkler companies in Massachusetts, with competitive insurance solutions. Our local commercial insurance professionals would be happy to help your business explore its insurance options. To discuss insurance for your Massachusetts fire alarm and sprinkler business, request a complimentary quote here on our website.

Types of Fire Safety Businesses We Serve

Fire alarm companies
Fire sprinkler system companies
Chemical fire suppression system companies
Fire safety consultants
Fire safety equipment distributors
Fire door manufacturers
Fire safety testing and certification organizations

What Types of Insurance Do Fire Alarm and Sprinkler Companies Need?

There are a number of different types of insurance coverage that every fire alarm and/or sprinkler company ought to strongly consider, including without limitation:

Workers’ Compensation

This coverage helps to cover the cost of medical expenses and lost wages for employees who suffer work-related injuries or illnesses. If your company has employees, Workers’ Compensation may be legally required.

General Liability

This coverage protects your business against third-party claims of bodily injury, property damage, and even reputational harm like false advertising or slander.

Commercial Auto

Commercial auto insurance covers the vehicles that your company uses in the course of its business, such as delivery trucks, service vans and the like.

Commercial Property

Safeguards your warehouse, workshop, or other facilities, along with the specialized tools and equipment stored inside.

Business Income Coverage

Also known as ‘Business Income and Extra Expense insurance’ (BIEE), this option reimburses for certain expenses you when your business is forced to temporarily shut down due to a covered loss.

Contractor Equipment Coverage

This policy provides funds for stolen, missing, or damaged equipment and can even cover debris removal or cleanup after an accident.

Product Liability Insurance

If your company manufactures fire alarms, sprinklers or related products, this insurance can cover claims related to defects that cause injury or property damage.

Inland Marine Insurance

Covers equipment and materials that are transported over land, such as to and from the job sites.

Professional Liability/Errors & Omissions

Protects against claims of professional negligence or errors that result in financial loss to a client.

Cyber Liability Insurance

Helps minimize damage after a data breach or cyber-attack. This has become increasingly important as businesses become more reliant on technology.

Business Owner’s Policy (“BOP”)

A BOP bundles general liability and commercial property insurance together into one policy. BOPs are often modifiable, as customers usually have the option of adding on additional types of coverage (including some of those mentioned above).

Commercial Umbrella

Adds another layer of liability protection after the limits of your other liability policies have been reached.

Local Service for the South Shore

We’re local, with convenient South Shore offices in Marshfield and Braintree. We take a personal approach to your insurance needs. Our team is readily available by phone or email to answer questions you may have. If you experience a loss, our in-house claims department will strive to make the claims process simple and efficient.

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.