Coverage Options
Fireproofing Contractor Insurance
Every policy a fireproofing contractor needs — in one place, from specialists who understand failure-to-perform, pollution, and work-at-height risk.
General Liability Insurance
General liability is the backbone of a fireproofing contractor's program. It covers third-party bodily injury and property damage from your operations — overspray on another trade's work, a jobsite injury, or damage to the structure — and it's the certificate every general contractor demands before you set foot on site.
- Overspray & jobsite property damage
- Third-party bodily injury
- Work-at-height operations
- Products-completed operations
Products & Completed Operations
Completed operations is the coverage that defines fireproofing risk. It responds when the fire-resistive material or firestop system you installed is alleged to have failed — wrong thickness, poor adhesion, missed areas, or underperformance in a fire — a claim that can carry catastrophic stakes.
- Insufficient thickness / density claims
- Adhesion & bond failures
- Missed or incomplete coverage
- Firestop system failures
Contractors Pollution Liability
Fireproofing work involves airborne material, silica, and — on older buildings — asbestos-containing fireproofing that must be removed. Those are real pollution exposures that standard general liability excludes. Contractors pollution liability (CPL) covers the bodily injury, property damage, and cleanup that come with them.
- Overspray & airborne-material claims
- Silica dust exposure
- Asbestos exposure (removal/reno)
- Spill & release cleanup
Workers Compensation Insurance
Workers comp is mandatory in nearly every state from your first employee. Fireproofing crews work at height on structural steel and around airborne material — serious injury exposure. Workers comp pays medical costs and lost wages for injured workers and shields you from injury lawsuits.
- Medical expense coverage
- Lost wage replacement
- Fall-from-height injuries
- Silica & respiratory claims
Tools & Equipment Insurance
Tools & equipment (inland marine) coverage protects the mobile gear a fireproofing contractor depends on — spray rigs, pumps, mixers, hoses, scaffolding, and hand tools — against theft, loss, and damage at the jobsite, in transit, or from your truck and trailer.
- Theft from truck, trailer & jobsite
- Spray rigs, pumps & mixers
- Loss & damage in transit
- Rented & borrowed equipment (lifts)
Commercial Property Insurance
Commercial property covers the physical assets at your business location — your shop or warehouse, your stock of SFRM, intumescent material, and firestop products, and the equipment you store on premises — against fire, theft, vandalism, water damage, and more.
- Building & tenant improvements
- SFRM, intumescent & firestop stock
- On-premises equipment
- Office contents & records
Commercial Umbrella Insurance
A commercial umbrella extends your liability limits beyond what your underlying general liability, commercial auto, and employer's liability provide — critical for fireproofing, where a completed-operations failure or a serious jobsite injury can far exceed primary limits.
- Excess general liability limits
- Excess commercial auto limits
- Excess employer's liability
- $1M–$10M additional protection
Ready to Protect Your Fireproofing Business?
Get a comprehensive fireproofing contractor insurance quote in minutes. Same-day binding, same-day certificates. Over 20 years protecting contractors.