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Illustrated street with an office building and a fire department connection on one side, and a raised scissor lift beside a white van with its back doors open on shelves of extinguishers, fittings and gauges, one purple extinguisher on the top shelf, on the other

Fire and life safety insurance

take the
inspection
contract.

Liability, professional coverage for inspections, plus comp, vans and tools, for fire and life safety contractors building recurring service across every building they test.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A sprinkler that goes off, a fall from the ladder, a missed tag. Tap around to see which policy steps in.

Illustrated cutaway of an office building with a sprinkler head spraying the top floor desks, a ladder fallen under an open ceiling tile on the middle floor, an alarm panel with its door open beside a tagged riser valve on the ground floor, a purple extinguisher in the lobby, and a service van with its bumper crumpled against a hydrant

general liability

A sprinkler head goes off after the service

Water damage to the building and what’s in it.

workers’ comp

A tech falls testing a detector

Medical bills and lost wages.

professional liability

An inspection misses a closed valve

Claims your design, inspection or monitoring fell short.

commercial auto

The van backs into a hydrant

Damage you cause on the road.

general liability

A sprinkler head goes off after the service

Water damage to the building and what’s in it.

Examples. Your policy sets the details.

the work changes
what we check.

Inspections, installs and special hazards carry different risks. Pick yours.

Inspection and service

Recurring tests, careful records.

We check the sprinkler, alarm, extinguisher and suppression mix, how impairments and tags are handled, and whether professional coverage answers an inspection claim.

we check first: Inspection responsibility. Illustrated sprinkler riser with its valve and gauges beside an open alarm panel, a clipboard of blank inspection tags and a purple fire extinguisher

fire and life safety businesses
usually carry.

Put them on one program and we shop them together at every renewal.

sprinkler went off?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Redline Fire Protection

your options

$24,800a year, 5 policies

3 options, same coverage

Option A$24,800

Option B$26,900

Option C$29,100

9 technicians7 vansPhoenix, AZClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
fire contractors ask for.

The coverage behind an inspection contract.

growing by
acquisition?

Buying another fire and life safety shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about fire and life safety insurance.

What insurance does a fire and life safety business need?
Most fire and life safety contractors carry general liability, workers’ comp once they have employees, commercial auto for service vans, and tools coverage for gauges and test equipment. Facility managers and GCs ask for proof of liability before the work begins. Professional, umbrella or pollution coverage can come up when you design, inspect or monitor systems.
Does general liability cover water damage from a sprinkler system?
It can cover damage to someone else’s property caused by your work, like a head or fitting you serviced that discharges and soaks an office. A claim that the system was designed or inspected incorrectly can sit outside general liability. Exclusions and policy dates matter, so the wording is worth reading closely.
Why do inspection, monitoring and design responsibility matter?
A claim that a system was designed, installed, inspected, maintained or monitored incorrectly can lead to a severe loss. Carriers look at exactly what you’re responsible for, the codes and licenses involved, your contracts, documentation and impairment controls, and whether professional coverage is in place, so we review them carefully.
What affects the price of fire and life safety insurance?
Mainly the systems you work on, design responsibility, inspection and monitoring obligations, special hazards, working height and hot work, plus payroll, vehicles and claims history. Limits and deductibles move it too. We read the exclusions alongside the premium, so you compare more than the payment.
What insurance do facility managers and GCs require?
Usually general liability at the limits the contract sets, plus workers’ comp, commercial auto and sometimes an umbrella. Contracts that include design, inspection or monitoring often ask for professional liability too. Many also want additional insured wording and a waiver of subrogation. The contract’s insurance exhibit lists the details.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA