Ideal Accounts and Appetite
This program targets businesses that design, sell, install, inspect, maintain, or service fire protection equipment. Typical accounts include:
- Fire extinguisher sales and service companies
- Fire equipment dealers and distributors
- Fire equipment manufacturers
- Contractors installing or servicing Ansul and other kitchen suppression systems
- Fire suppression contractors (pre-engineered and engineered systems)
You might have a client who services commercial kitchens with pre-engineered suppression systems, or a contractor that installs and maintains portable extinguishers for multi-site retail chains — Fire Equipment Select is structured to address those exposures.
Coverage Highlights and Advantages
Coverage is designed for the unique risks of fire equipment contractors. Available lines include:
- Commercial General Liability – $1M per occurrence / $2M aggregate
- Excess Liability
- Property & Inland Marine
- Commercial Auto
General Liability Includes:
- $2,000,000 Products Aggregate*
- $100,000 Fire Damage Legal Liability
- $5,000 Medical Payments
- Property damage deductibles: $1,000 to $10,000 per occurrence
- Program applies subject to a $100,000 minimum payroll
*Limits may vary by state. Contact your underwriter for specifics.
Special extensions and options:
- Blanket Additional Insured (including full product coverage)
- Per-job aggregate limits
- Blanket waiver of subrogation
- Employer’s benefits liability
- Full Errors & Omissions coverage
- Limited E&O for bodily injury and property damage
Underwriting Notes and Minimum Premiums
To quote or bind, agents should submit complete documentation to accelerate underwriting. Typical requirements include:
- Completed ACORD applications
- Program supplemental application
- Five years of currently valued loss runs (detail any loss over $10,000)
- Two-year job history or project list
- Five years of premium, payroll, and receipts history
Minimum premium starts at $5,000 plus applicable fees and taxes; final premium is subject to underwriting review and loss history.
Territories and Availability
Fire Equipment Select is available in the following territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. The program is not available in New York and is restricted in Cook County, Illinois. As a non-admitted offering, it provides flexible underwriting for complex or multi-state placements.
Why Work With RISC Inc.?
RISC Inc. is a specialized program administrator with deep underwriting knowledge in the fire protection sector. With direct access to Zurich NA and dedicated underwriting resources, RISC helps agents place accounts that may be difficult in standard markets. Expect practical appetite guidance, workable policy forms for product and installation exposures, and responsive service for binding and claims coordination.
Whether your client is a start-up extinguisher service or a multi-state suppression contractor, RISC’s Fire Equipment Select program offers tailored coverage and underwriting expertise to place those risks with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include fire extinguisher service companies, fire equipment distributors, suppression system contractors, and Ansul system installers.
Is this program admitted or non-admitted?
This is a non-admitted program placed through Zurich NA, which allows for broader forms and flexible underwriting for specialty accounts.
What is the minimum premium?
Minimum premium starts at $5,000 plus applicable fees and taxes, subject to underwriting review and final risk characteristics.
Are there territorial restrictions?
Yes. The program is available in most U.S. states (see the territories listed above) but is not available in New York and is restricted in Cook County, Illinois.
What documents are needed to submit a risk?
Submit ACORD forms, the supplemental application, five years of loss runs, a two-year job list, and five years of premium/payroll/receipts data to speed underwriting.
Need help placing an account? Connect with a market specialist.