Specialist insurance for fire safety consultants, engineers, assessors, installers, and contractors responsible for designing, advising on, and implementing fire protection solutions in regulated and high-risk environments.
Specialist insurance for fire safety consultants, engineers, assessors, installers, and contractors responsible for designing, advising on, and implementing fire protection solutions in regulated and high-risk environments.
Specialist Risk Group’s (SRG) specialist fire safety broker, Consort, combines deep insight into fire safety operations with a clear understanding of the regulatory and technical risks consultancy businesses face. Our strong insurer relationships and market influence enable us to secure industry-leading protection, tailored solutions, and responsive claims support, helping firms manage professional exposures, meet compliance obligations, and operate with confidence.
Fire safety firms under intense scrutiny due to their role in safeguarding life, property, and regulatory compliance. As buildings become more complex and fire-safety frameworks continue to tighten, firms face growing exposure from design responsibility, installation oversight, specification errors, and system performance. Many consultants also encounter inconsistent market understanding and insurance solutions poorly aligned with the realities of their work.
Increased scrutiny of the fire safety sector following several high-profile events has significantly tightened the insurance market. Professional Indemnity and Contractors All Risks capacity is now constrained, with insurers imposing higher premiums, stricter terms and more restrictive policy endorsements.
Exposure arising from advice, design, surveys, fire risk assessments, and oversight of passive or active systems.
Allegations linked to defective installation, incorrect specifications, equipment malfunction, or inspection oversight.
Clarity around who is responsible for which element of the works, especially in multi-party project environments.
Risks from onsite activity, equipment supplied, or products placed on the market.
Service interruption resulting from insured incidents, investigations, or equipment loss.
We arrange cover for all types of fire safety businesses, with specialist expertise across the following trades:
Our approach is tailored to each business we work with. Typical covers we look at for hospitality businesses include:
Protection for design, advice, risk assessments, surveys, specifications, and system oversight.
Cover for guest injury, illness, or third-party property damage.
Protection for works in progress, tools, materials, and equipment on site.
Safeguarding directors, officers, and senior managers against governance and regulatory claims.
Protection for buildings, contents, fixtures, fittings, and operational assets.
Protection for lost revenue following insured damage or disruption.
Most fire safety firms require Professional Indemnity, Public and Products Liability including Efficacy, and Employers’ Liability. Businesses involved in installation or site works often also need Contractors All Risks cover. The exact structure depends on whether you advise, design, inspect, install, or do all three.
Fire safety work directly affects life safety and regulatory compliance. Professional Indemnity covers allegations arising from advice, fire risk assessments, design, specifications, inspections, and oversight of passive or active systems, even years after the work is completed.
Yes, when the policy is correctly written. We ensure cover explicitly reflects fire risk assessments, compliance guidance, and regulatory advice so there are no grey areas if a claim arises.
Yes. If you supply, specify or install components, you may be deemed responsible if a product fails. Efficacy cover, a part of Public and Products Liability, protects against claims arising from a product failing to perform its intended use..
Claims may arise against installers, designers, inspectors, or consultants. Public and Products Liability can respond to injury or property damage, while Professional Indemnity may respond where failure is linked to specification, design, advice or inspection oversight.
Potentially, yes. Liability often sits with the principal contractor or consultant. We structure cover to reflect subcontracted activity and help clarify responsibility in multi-party project environments.
Professional Indemnity operates on a claims-made basis. Continuous cover is essential to protect historic work, including assessments or installations completed years earlier. We manage continuity to avoid gaps that could leave you exposed.
Certain policies can cover legal defence costs linked to investigations following incidents or alleged non-compliance. Early engagement and specialist claims handling are vital in fire safety matters.
Yes, but only if specifically arranged. Fire safety firms taking on design responsibility need Professional Indemnity that clearly reflects this exposure. As a specialist insurance broker, we ensure policies align with contractual obligations.
Fire safety is a high-scrutiny sector. Insurers expect clear competency, documentation, defined scopes of work and specialist risk management. We position your business correctly to secure sustainable, appropriate cover.
Contractors All Risks (CAR) insurance protects works in progress, tools, materials and equipment on site, including theft, damage or loss during installation or commissioning.
They can be. Management Liability, also known as Directors and Officers (D&O) insurance, protects directors and senior managers against claims linked to governance, regulatory compliance, health and safety, and management decisions.
Business Interruption insurance can protect income and ongoing costs following insured events, allowing your business to continue operating while issues are resolved.