RISC Inc. has been serving the insurance needs of fire sprinkler contractors since 2003, offering a specialized program designed to address the unique risks of this industry. This program is ideal for contractors involved in system design, fabrication, installation, inspection, testing, and maintenance of water-based fire suppression systems.
Eligible accounts must derive at least 51% of their operations from fire sprinkler installation, service, or repair. Projects involving CPVC installations are accepted and not excluded. Other related trades may be included when fire sprinkler work remains the primary operation.
Ideal Accounts and Appetite
This program is tailored for fire sprinkler contractors focused on commercial, industrial, or residential systems. You can confidently place accounts that:
- Design and install new fire sprinkler systems
- Perform inspections or service/repair of existing systems
- Handle fabrication and testing of sprinkler components
Accounts with a clean loss history and documented experience are preferred. Operations must meet the 51% threshold for sprinkler-related work to qualify.
Coverage Highlights and Advantages
RISC provides a comprehensive suite of coverages to help protect your clients from the risks inherent in fire sprinkler contracting. Available coverages include:
- Commercial General Liability
- Property & Inland Marine
- Commercial Auto
- Excess Liability
- Workers’ Compensation — Class code 5188 (availability varies by state)
General Liability Limits
- $1,000,000 Per Occurrence
- $2,000,000 General Aggregate
- $2,000,000 Products Aggregate*
- $100,000 Fire Damage Legal Liability
- $5,000 Medical Payments
- Property Damage Deductible: $1,000, $2,500, $5,000, or $10,000 per occurrence
- Subject to $100,000 minimum payroll
*Contact underwriter for specifics. Limits may vary by state.
Special Extensions Available for Fire Sprinkler Contractors:
- Blanket Additional Insured, Full Products Available
- Per Job Aggregate
- Blanket Waiver of Subrogation
- Employer’s Benefits Liability
- Full Errors & Omissions Coverage
- Limited E&O for Bodily Injury and Property Damage Only
Underwriting Notes and Minimum Premiums
Submissions must include all required documents to be considered:
- ACORD Applications
- Supplemental Application
- 2-Year Job List
- 5-Year Premium, Payroll, and Receipts History
- 5-Year Currently Valued Loss Runs, with details for losses over $10,000
Minimum premium starts at $5,000 plus fees and taxes. This is a non-admitted program backed by Zurich NA.
Territories and Availability
This program is available nationwide except for New York and Cook County, Illinois. RISC is able to write in all other states including but not limited to TX, CA, FL, GA, IL (excluding Cook County), and many more.
Why Work With RISC Inc.
RISC Inc. is a trusted program administrator with over two decades of experience in the fire protection industry. Their specialized underwriting team understands the technical and regulatory exposures fire sprinkler contractors face and offers tailored solutions to help your clients stay protected and compliant. With access to Zurich NA and a focus on responsive service, RISC empowers agents and brokers to confidently place complex fire protection risks.
Ready to learn more or submit an account? Contact RISC today to discuss your Fire Sprinkler Contractor Insurance needs.
214-954-0707
Frequently Asked Questions
What types of accounts are a good fit for this program?
Fire sprinkler contractors whose operations are at least 51% focused on installation, service, or repair of water-based fire suppression systems. Accounts involved in CPVC installations are also acceptable.
Is this program available nationwide?
Yes, it is available in most states except for New York and Cook County, Illinois.
What documents are required for submission?
Submissions must include ACORD applications, a supplemental application, 2-year job list, 5 years of premium/payroll/receipts, and 5 years of currently valued loss runs with details for any loss over $10,000.
What is the minimum premium for this program?
The program starts at a $5,000 minimum premium plus applicable fees and taxes.
Which carrier backs this program?
This is a non-admitted program backed by Zurich NA.
Need help placing an account? Connect with a market specialist.