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Program Details -

Fire Suppression Contractors Program (SprinkerPro)


 

As the construction industry emerges from the recession, sprinkler contractors will be integral players as the demand grows for new construction and renovations.

While sprinkler contractors face several challenges during their job, the exposure of mold and fungus can be one of the most costly. Most sprinkler-related claims are due to water damage that has to be cleaned up. If the water damage is not taken care of properly, then mold begins to surface and grow.
 
Even though the potential for mold is common, many claims are not filed because the typical General Liability policy does not provide coverage. While contractors' pollution liability policies can serve as a solution, a separate policy builds expense into the insured's program and doesn't extend into the umbrella.

Our SprinklerPro program distinguishes itself from its competitors by building that coverage into a single program. Our program not only provides coverage in the general liability policy, but also in the umbrella, increasing the limits available. Also, since the carrier is the same for the primary and excess layers, claims reporting and resolution is easier.

Target Clients:
This program is designed for those engaged in the design, fabrication, installation, testing, service, and repair of fixed water-type and special hazard suppression systems, including:

  • Fire Sprinkler Contractors - Designing, Fabricating, Installing, Testing, Servicing and Repairing Sprinkler Suppression Systems including Pre-action or Deluge systems, and systems utilizing: Halon, Inergen, FM 200, Foam, or CO2
  • Contractors performing some mechanical work with sprinkler installations

Program Highlights:

  • Special Endorsements include Blanket Additional Insured, Blanket Waiver of Subrogation, and Per Project Aggregate Limit
  • Primary and non-contributory provided for additional insureds with no premium charge
  • No exclusion or limitation endorsement for residential work

Differentiators:

  • Broad coverage / combined form
  • Contractors Pollution Liability including mold/fungus
  • Excess liability follows over professional liability and contractors pollution liability
  • Pollution and Professional are not sublimited
  • Risk Engineering service is provided by the carrier at no additional charge

Coverages:

  • General Liability (non-admitted)
  • Professional Liability (non-admitted)
  • Pollution Liability including microbial substance (mold / fungus) - available (non-admitted)
  • Umbrella / Excess Liability (non-admitted)
  • Auto (admitted)
  • Workers Compensation - available (admitted)

Minimum Premium:

  • GL/Contractors Pollution/Professional: $25,000
  • Workers Compensation: $50,000

Fire, Suppression, Sprinkler, Mold, Fungus, Microbial, Contractor, Halon, Inergen, FM200, Foam, CO2, Blaze, Flame, Water

Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming