Coverage built for installation, testing, and service—backed by fast certificates and responsive claims support.
Fire sprinkler work carries unique risks—system design liability, water damage, hot work exposures, confined spaces, height, and tight scheduling with GCs. HM Advisors helps fire sprinkler contractors across Georgia as well as nationwide coverage available that satisfies jobsite requirements and protects your balance sheet.
Why Fire Sprinkler Contractors Choose HM Advisors
- Trade-Specific Expertise: Policies structured for NFPA 13/13R/13D work, inspections, maintenance, retrofits, and tenant improvements.
- Job-Ready Documentation: Same-day Certificates of Insurance (COIs), additional insured (ongoing & completed ops), primary/non-contributory, and waiver of subrogation when required.
- Bid & Contract Support: We review insurance sections in Master Sub Agreements to help you stay compliant without overpaying.
- Claims Advocacy: Dedicated support if a water release, property damage, or injury occurs—so you’re not fighting the carrier alone.
- Growth-Friendly: Options for payroll/sales audits, multi-state work, OCIP/CCIP projects, and fleet expansion.
Core Coverages for Fire Sprinkler Contractors
General Liability (GL) & Completed Operations
Protects against third-party bodily injury and property damage, including water damage during installation or testing. Includes products/completed operations and can be endorsed for AI, primary & non-contributory, and waiver of subrogation.
Contractors Professional Liability (E&O)
Design/spec review, layout assistance, or value-engineering may trigger professional liability exposures. E&O helps address alleged errors in plans, code interpretation, or system performance.
Workers’ Compensation
Covers employee injuries on the job—critical for crews working heights, lifts, and in active construction zones. We help you classify payroll correctly to control audit surprises.
Commercial Auto & Fleet
From service vans to material delivery, we place autos with carriers that understand contractor fleets, camera/telematics credits, and additional insured requirements.
Inland Marine (Tools & Installation Floater)
Covers scheduled tools, equipment, and materials in transit or at the jobsite prior to installation—piping, heads, valves, fittings, risers, and more.
Property & Business Income
Protects your shop/warehouse, offices, inventory, and business income if a covered loss shuts you down. Equipment breakdown options available.
Umbrella / Excess Liability
Extra limits over GL, Auto, and Employers Liability—often required by GCs or municipal jobs. We align limits with your contract requirements.
Cyber Liability
Quote/bid portals, remote monitoring reports, and client data create cyber exposure. Cyber covers breach response, ransomware, and third-party liability.
Who We Insure
- Fire Sprinkler contractors performing design-assist, installation, retrofits, service, and inspections (wet, dry, pre-action, deluge).
- Residential (13D/13R), commercial (13), TI and ground-up projects.
- Firms using lifts, hot work, and water supply tie-ins with municipal coordination.
What We Need for a Fast, Accurate Quote
- Business basics: Legal name, FEIN, years in business, ownership, operations description.
- Payroll & sales: Current year and next 12 months by trade class (field vs. clerical).
- Loss runs: 3–5 years (if available).
- Fleet & drivers: Vehicle list, garaging, and driver info (MVRs if requested).
- Tools/equipment: Itemization or total values for inland marine; any rented/leased gear.
- Project profile: Typical job size, max height, hot work usage, any design/spec responsibilities.
- Contract requirements: AI forms (ongoing/completed ops), PNC wording, waiver of subrogation, umbrella limits.
Fire Sprinkler Contractor Insurance — FAQs
Do GCs really require Additional Insured and Waiver of Subrogation?
Yes—most master service agreements demand AI (ongoing & completed ops), primary & non-contributory, and waiver. We issue COIs that match your contract wording.
We do limited design-assist; do we need E&O?
If you provide drawings, layout, spec review, or recommendations, Contractors Professional Liability is strongly recommended—even if final stamped plans come from an engineer.
How does the Installation Floater work?
It covers materials and equipment while in transit and at the jobsite before installation. It bridges the gap between your Property policy and the client’s builder’s risk.
What limits should we carry?
Common starting points: $1M/$2M GL, $1M Auto, Statutory WC, $1M–$5M Umbrella depending on GC/municipal requirements and project size. We’ll align limits to your contracts.
How fast can we get a Certificate?
Same-day in most cases. For complex wording or manuscript endorsements, allow a little extra time—we’ll communicate requirements upfront.
Get a Quote or Send Your Contract Requirements
Let’s line up coverage that protects your jobs and satisfies the GC. Send us your loss runs and contract insurance page, and we’ll build a tailored program.
Call: 478-922-8531
Quote: https://www.hm-advisors.com/quotes/
Email: info@hm-advisors.com
Office: Warner Robins, GA — Serving Middle Georgia