Sandbach insurance brokers
Fire Safety Consultant Insurance
Looking for competitive fire protection consultant’s insurance backed by outstanding customer care? Call JMG Sandbach today on 0161 300 2930 and let our team of independent specialists compare the market to find you the fire safety consultant’s insurance that’s right for you. Whether you’re fitting fire alarms, portable or fixed fire extinguishers or specialise in passive fire protection, we can help, so call us on 0161 300 2930 or contact us and let us find you the cover you need.
What is fire protection consultants’ insurance?
Fire protection consultant insurance, or fire safety consultant insurance, offers financial protection to people who install, maintain, or service fire protection systems. As a fire safety consultant, you face liability and indemnity risks daily, and fire protection consultants’ insurance gives you the cover you need.
Why get your fire protection liability insurance from JMG Sandbach?
Since our founding in 1995, we’ve helped hundreds of individuals, business owners and professionals get the fire protection liability insurance they need. Our clients choose us as we offer a fantastic combination of service and value that gives you:
- Highly competitive cover from leading insurers
- Personal service from quote to claim
- Independent advice
- Help from people who are fire contractor’s insurance specialists
To experience our exceptional service for yourself, call us on 0161 300 2930 or contact us and let our team help you get the insurance that’s right for you.
What can fire protection insurance cover?
Common policy elements of fire protection insurance business insurance include:
- Public liability insurance – or PL insurance as it’s also known, forms the basis of many fire protection consultants’ insurance. It protects you/your business should a member of the public be accidentally injured or their property damaged because of your work. It’s especially important for businesses and contractors whose work brings them into contact with the public
- Employers’ liability insurance – or EL insurance, protects employers from compensation claims from their employees should they be sued for loss or injury at work. If you have people working for your firm, be they full-time, part-time, or contracted, then having employers’ liability insurance cover is a legal requirement. Failure to have a policy in place can lead to a £2,500 fine for each day you are without it. In law, the health and safety of your employees is essential, which is why you are legally required to protect your business from incidents such as:
- Someone having an accident at work
- A member of staff developing a medical condition through their work
- One of your employees having their property damaged at work
Your policy must:
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- Cover you for at least £5 million of liability cover
- Be through an authorised insurer
- Product liability insurance – if a product you’ve recommended fails or causes damage, you can be sued for compensation
- Tools insurance – including equipment that is left in a client’s premises overnight
- No subcontractors warranty – if there’s a problem with any of the works (including those supplied by a subcontractor), the client can bring a claim against you as the main contractor to seek redress and compensation for defective work. So, if your business has a subcontractor install a fire protection system and something goes wrong, you’ll be covered
- Inefficacy insurance – also known as ‘failure to perform cover’ protects you financially should a product such as a fire alarm fail to work, you’ll be protected from any compensation claims
- Directors’ and officers’ insurance – or D&O insurance protects company directors and senior officers from personal liability in the event of lawsuits or claims arising from their actions while acting in a managerial capacity. It can cover legal costs, settlements, and judgments stemming from alleged wrongful acts or omissions
- Accidental damage to property insurance – be it an existing fire protection system or a new one on the client’s premises, if accidental damage is caused, you’ll be covered against any claims for compensation
- Product recall insurance – should you need to do a product recall, this will cover things like the costs of getting the products back, replacements and damage to your brand’s reputation
- Fidelity bonding insurance – provides protection for claims made against you by your customers because of theft of customers’ money or property, fraud or embezzlement
- Loss of extinguishing gas cover
If you’d like some fire protection consultant’s insurance advice, call us on 0161 300 2930 or contact us and let our team help you get the protection you need.
Who needs fire safety consultants insurance?
Fire safety consultants insurance through JMG Sandbach is flexible enough to protect a wide range of businesses and professionals, including:
- Fire safety training firms
- Installers of fire security systems, including passive and structural fire protection
- Fire protection maintenance companies
- Consultants, site surveyors, and fire risk assessment services
- Manufacturers of fire safety equipment
Are there any policy options for fire protection contractors insurance?
Yes, common ones include:
- Commercial property insurance – if you own the building you operate from, then you’d be wise to have commercial property insurance in place, as it will cover accidental damage or even pay for the building to be rebuilt were it accidentally destroyed
- Property away and in transit insurance – covers equipment such as computers, diagnostic and testing equipment, stock, tools and plant while it’s on any contract site in the UK or while in transit
- Business interruption insurance – should your business be forced to close following a disaster such as flood or fire, business interruption insurance will provide you with an income until you can get back to normal trading
- Terrorism insurance – covers you against losses or damage following an act of terrorism
- Equipment breakdown insurance – if equipment at your premises breaks down, this will cover things like reconstitution of data costs and temporary hire of suitable items while things like computers are repaired or replaced
How much does fire protection contractors insurance cost?
Your fire protection contractors insurance premiums will be calculated based on factors such as:
- The level of cover you require
- The type of work you are doing and the type of systems you are working on
- The size of clients you are working with – installing a system for homeowners may be seen as less risky than installing one for a large commercial organisation
- Whether you have any employees and if so, how many
- Your claims history
- Where you work
- The size of your business
Fire safety consultants insurance FAQ
Fire safety contractors insurance can be a complicated area of cover. To help you get the protection you need, here are our frequently asked questions about fire safety consultant insurance. We hope they’ll be of use, but if you’d like some personalised, independent advice, then please call us on 0161 300 2930 or contact us and one of our insurance specialists will be happy to help.
No but given the risks you run and the potential payout size, it’s well worth having it in place. If you have any employees, you will need to have employers’ liability insurance
Fire safety consultant insurance through JMG Sandbach can cover everyone from fire alarm installers and fire safety consultants to fire safety maintenance companies
That will depend on your business’s activities, size and whether it has any employees, but public liability insurance, professional indemnity insurance, employers’ liability insurance and product liability insurance are generally regarded as essential
Yes, you must provide employers’ liability cover for the total number of subcontractors, for whom you are responsible, on site or working at your premises
Getting a quote is easy. You can get your fire safety consultants insurance quote by calling us on 0161 300 2930, or contact us, and one of the team will be happy to give you all the help you need
Contact JMG Sandbach
If you’d like some independent insurance advice or a commercial insurance quote, please call our experienced team of independent insurance experts on 0161 300 2930 or contact us today and we’ll give you all the help you need protecting what matters to you.