The Right Coverages for Fire Suppression Companies

Are you in the fire suppression business? If so, you need reliable systems. And you also need the reliable insurance. At Brownyard Programs, we know the risks in your business. We’ll create coverage that fits your needs.

Protect Your Assets

If you're in the fire suppression business, having broad insurance is vital to protecting your livelihood. That's where our insurance coverages can help: from general liability to property insurance and more.

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Customized Coverage

Because of our decades insuring fire suppression companies, we understand challenges facing businesses like yours. We can create custom coverage broad enough for your business needs at a sensible price.

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APPLYING FOR COVERAGE

You can apply for fire suppression insurance at the top of this page in the Get A Quote box at the top of this page. Just choose from the drop down list. Or click below to go to our Applications page.

Applications

IS YOUR STATE ELIGIBLE?

We provide fire suppression insurance throughout the country, in all 50 states. So whether you're in Oklahoma or Oregon, Nebraska or New York, Alaska or Arizona, your state is eligible.

Risks and Solutions

We've seen many events in the fire suppression industry, most of which couldn't be foreseen or avoided. We'll help make sure you're covered so unfortunate events won't put your assets and livelihood at risk.

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Brownyard Programs

Brownyard is the oldest name in security insurance: Coupled with Crum & Forster's experience, we understand how to insure the risks for fire suppression companies as well as anyone in the industry.

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Common Questions and Answers

Q: What is the right amount of coverage for a fire suppression contractor?
A: Have at least $1 million of coverage per occurrence, $2 million aggregate, and $2 million completed operations for general and professional liability. Increase this coverage if there’s more risk in company operations or contract requirements. Don’t accept a certificate for a master policy as adequate coverage. Your company should be the only one on the policy. Many contracts require a combined limit of general/professional liability and excess/umbrella combined limit from $5-$10 million. Check with your broker for contract requirements.

Q: What standard coverages should a fire suppression contractor require of their carrier?
A: Adequate limits of coverage. General and Professional coverage. No sub-limits on major coverage risks. Broad contractual coverage. Broad coverage for theft by 1st and 3rd Parties. No conviction or anti-collusion clauses on theft coverage. Vicarious liability coverage for intentional and criminal acts that protect the company. No exclusion for punitive damages. Sexual Harassment/Molestation/Discrimination coverage. Coverage for all property in the company’s care, custody, and control. Protection from third-party oversuit – where clients sue the contractor after an employee sues the client.