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

We know your work is specialised. As a fire safety consultant installing smoke alarms or emergency lighting, or a security contractor setting up CCTV, or nurse and warden call systems, the nature of your work can leave you, your staff, subcontractors, and the general public open to risks. You need flexible, specialist fire and safety contractors insurance or security insurance to protect yourself – and your business. Because we understand the day-to-day risks and unique challenges you face, we're here to support you by offering:

  • Protection for:
    tools and equipment
    injuries suffered by a client, contractor or member of the public as a result of your work 
    injury, disease or death of an employee or sub-contractors whilst working for you.
  • Bespoke cover – whether you're a sole trader or manage a team, our insurance is designed around you. You'll only pay for the cover you need.
  • Professional advice and support – throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We'll also support you if you need to make a claim.
  • Saving you time – leave the hard work to us; we'll search our selection of the UK's leading and specialist insurers to find the provider that suits you best.

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

At Marsh Commercial, we're part of a global group with a local community focus. We have over 28,000 contractors who have chosen us to manage their insurance needs. That's almost £130m in gross written premium (GWP); you're in good company. 

You wouldn't think of starting a job without the right equipment. Arranging insurance for your business is no different, so it pays to speak to our professionals – our team of experts are here to help 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. So can focus on your business.

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

Do fire safety and security contractors need insurance?
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.
What is the purpose of contract works cover?
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.
What is general liability insurance for contractors?
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.