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FIRE SAFETY AND SECURITY CONTRACTORS INSURANCE

We're here to help with insurance for fire safety contractors and security contractors

You wouldn't think of starting a job without the right equipment. Arranging insurance for your business is no different. It pays to speak to our professionals, and that's why we're here to help you. 

Installing smoke alarms or emergency lighting, or setting up CCTV, or nurse and warden call systems, carries risks for you, your staff, subcontractors, and the general public. We understand the day-to-day risks and unique challenges you face, and can help you find specialist fire and safety contractors insurance or security insurance.

  • Your business, covered – fire and security contractors insurance can provide cover for: tools and equipment; injuries to clients, contractors or members of the public; and disease or death of employees or sub-contractors whilst working for you.
  • Bespoke cover – from sole traders to managers of teams of contractors, our insurance is designed around you.
  • Professional support – our expert team are on hand to answer any questions you have, resolve issues you encounter, and with any claims that arise.

How our team of fire safety and contractors insurance experts can help you

Marsh Commercial are part of a global group with a local community focus. Our team of experts have years of experience supporting tradesmen and contractors like you.

We take time to understand your needs to arrange the fire alarm installers insurance or insurance for security companies that's right for you.

What cover can fire safety and security contractors insurance offer?

  • public liability insurance
  • employers liability insurance
  • inefficacy cover
  • no subcontractors warranty
  • professional indemnity insurance
  • 24/7 tools cover
  • management liability portfolio insurance.

Electrical contractors insurance

As a specialist electrical contractor, we know that you face risks that may also affect your staff, subcontractors, and the general public. You need electrical insurance cover that gives adequate protection against these risks.

HVAC contractors insurance

We know your work can leave you exposed to a range of risks that may also impact your clients, staff or subcontractors and the general public. You need HVAC contractors insurance that protects your business against these risks.

Frequently asked questions

Q
Do fire safety and security contractors need insurance?
A
As a specialist fire safety or security contractor, you need to have indemnity insurance for your work in place to protect against risks that may cause injury to the public or your customers. If you employ staff, you're legally required to have employers liability insurance. Professional indemnity insurance will cover any legal costs and damages that you could be liable for should you or your business make a mistake. You may also consider other types of protection: tools and equipment, hired in plant (if not covered elsewhere), contract works, directors and officers insurance, and legal expenses. Don't forget buildings and contents for any premises you may have. Read our article Understanding Contractors Insurance for some specific scenarios where these covers could protect your business.
Q
What is the purpose of contract works cover?
A
Contract works insurance protects your ongoing works on a project site. In the event of an unforeseen incident – such as a fire or flood – this cover means the work you are legally responsible for completing can be reinstated to the same stage before the damage occurred.
Q
What is general liability insurance for contractors?
A
General liability refers to public liability cover. This cover protects if your client or a member of the public suffers an accidental injury or accidental property damage resulting from your work. It’s not a legal requirement to have public liability. However, this insurance will cover legal defence costs and compensation costs should you find yourself facing a claim against you.