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Comprehensive Fire Protection Contractor Insurance

Protecting Your Business in Illinois
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Hecht-Stout Insurance Agency/ fire protection contractor insurance

Protecting Your Fire Protection Contracting Business

As a fire protection contractor, your critical work in Illinois ensures the safety of occupants in warehouses, manufacturing plants, office buildings, hospitals, residential homes, and apartment buildings. Whether you are a contractor or a consultant in the fire protection industry, it is essential to have robust insurance coverage to safeguard your business from potential risks.

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General Liability
Commercial Property Insurance
Business Auto
Worker’s Compensation

General Liability Coverage

Risk Factors

If the sprinklers you provide to your client go off unexpectedly, which causes water damage to your client.

Solution

Your general liability policy would cover the cost of repairs for the damages done by your products.

Commercial General Liability Coverage

Risk Factors

While carrying an heavy equipment, an employee damages the furniture of your clients property. You are liable to pay for the damages.

Solution

Your general liability policy would cover the cost of repairs for the damages done by your employee.

Business Auto Coverage

Risk Factors

If any of your company vehicles are involved in an accident, you have to pay for third-party bodily injury, property damage, or pollution cleanup.

Solution

Commercial Auto policy would cover any expense for the medical care of the other driver and repair his property

Worker’s Compensation Coverage

Risk Factors

While installing a sprinkler at your clients site, your employee cuts his hands severely. He needs medical care and cannot work until he recovers.

Solution

Workers’ compensation would pay for his medical bills and a portion of lost income while he recovers and is unable to work.

What Does Fire Protection Contractor Insurance Cover?

Fire protection contractor insurance from Hecht-Stout Insurance Agency offers comprehensive coverage for various scenarios, including legal defense costs such as attorney fees, settlements, and damages for claims involving personal injury, bodily harm, or property damage. Among other possible claims, it also covers lawsuits alleging deceptive advertising, libel or slander, and slip-and-fall accidents on your premises.

Connect with Hecht-Stout Insurance Agency in Illinois to review your existing policy or get a customized policy tailored to your fire protection contracting business.

Common Coverages for Fire Protection Contractors

Given the potential size of fire protection-related claims, it is advisable to have Commercial Umbrella Liability Insurance, which provides coverage for claim costs that exceed your policy limits.

If your fire protection contracting company manufactures or fabricates fire suppression or detection products, it is crucial to include Product Liability Insurance. This covers you from claims related to your products.

Additional Coverages for Fire Protection Contractors


  • Commercial Property Insurance
  • Commercial Auto Insurance / Commercial Vehicle Insurance

Working in the fire suppression industry involves significant risks. Accidents happen despite your best efforts to perform work accurately, and someone may hold you financially responsible for an incident that was not your fault. Therefore, protecting yourself with the right fire protection contractor insurance plan is crucial.

Contact Hecht-Stout Insurance Agency in Illinois today to explore the various insurance options available for your fire protection contracting business. Ensure you have the comprehensive coverage to protect your operations and provide peace of mind.

Already have Fire Protection Contractor Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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We extend coverage to individuals and businesses in Dunlap, IL and surrounding areas.
1715 Woodside Drive Dunlap, IL 61525
reports@hechtstout.com
309-693-3388
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