Ideal Accounts and Target Classes
This program is tailored for a wide range of fire protection professionals, including contractors involved in:
- Installation, service, and repair of wet or dry sprinkler systems
- Design and monitoring of fire suppression systems
- Sales and servicing of fire extinguishers
- Chemical-based suppression systems
Accounts that typically fit well include those handling retrofit work, CPVC/PVC installations, retail sales and service, and residential projects. You might have a client who installs dry sprinkler systems in commercial warehouses or a contractor specializing in chemical suppression systems for restaurants — both are strong candidates for this program.
Coverage Highlights and Advantages
Ryan Specialty National Programs provides access to a broad portfolio of coverage options tailored to this industry’s unique exposures:
- General Liability: Limits up to $1,000,000/$2,000,000 with a $1,500 minimum premium
- Professional Liability: Includes Errors & Omissions coverage
- Workers’ Compensation
- Auto Liability
- Excess/Umbrella Liability: In-house binding authority up to $10 million
- Property, Inland Marine, and Crime
- Care, Custody, and Control Coverage
This comprehensive package helps protect against bodily injury, property damage, and professional exposures specific to fire suppression work.
Underwriting Notes and Submission Requirements
Ryan Specialty seeks accounts that demonstrate strong risk management practices. To submit a risk, agents should provide:
- Completed Supplemental Application
- ACORD Forms
- Five years of currently valued loss runs
- Target or expiring premium
Territories and Availability
This program is available nationwide, including all 50 states and Washington, D.C. It is written on a non-admitted basis through multiple carrier partners, allowing for flexibility and tailored solutions.
Why Work With Ryan Specialty National Programs?
As a leading Program Administrator, Ryan Specialty National Programs brings deep industry knowledge and underwriting expertise to the fire protection space. Retail agents benefit from streamlined submissions, flexible underwriting, and access to a wide range of markets. Whether you're placing a straightforward sprinkler installation contractor or a complex system design and monitoring operation, this program offers scalable solutions to meet your clients’ evolving needs.
Contact us today for more information on our Fire Suppression and Sprinkler Contractors Insurance program!
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include contractors involved in the installation, service, design, and monitoring of fire suppression systems, sprinkler systems, and fire extinguishers.
Is this program available in all states?
Yes, this program is available in all 50 states and Washington, D.C.
What is the minimum premium for General Liability coverage?
The minimum premium for General Liability coverage starts at $1,500.
What types of coverage are included in this program?
Available coverages include General Liability, Professional Liability (E&O), Workers’ Compensation, Auto Liability, Excess/Umbrella, Property, Inland Marine, and Crime.
What documentation is required to submit a risk?
Agents should submit a completed supplemental application, ACORD forms, five years of loss runs, and the target or expiring premium.
Need help placing an account? Connect with a market specialist.