Why do I need a Fire Alarm Installers Insurance policy?

If you’re a fire alarm contractor, you have lots of responsibilities. Were a gas leak to occur or fire to break out, simply installing these devices properly could be the difference between dozens of lives saved or lost. You should be proud of the fact that you provide customers with the peace of mind that their loved ones will be warned in the case of an emergency.

You deserve that same peace of mind as you go about your job. Whether you’re installing a few alarms in a client’s home or hundreds in a massive apartment complex, there is always room for freak accidents and errors when installing alarm systems. You do your job to help clients avert disaster; but mistakes, even innocent ones, can be disastrous in this type of service.

This is exactly why you need a Fire Alarm Installers Insurance policy with Thimble.

In the case of a fire, all it takes is one improperly installed or defective alarm for tragedy to strike, resulting in property damage, injury, and even the loss of life. In such cases, you could be sued and lose everything as a result of your poor alarm installation job.

During the course of a day, you might perform installations of alarms and smoke detectors in dozens of homes, carrying out your tasks perfectly. But if you forget to connect just one alarm in a single estate and it fails to warn the homeowners, the entire house might be lost. In response, the client could bring a negligence lawsuit against you, which would entail months of litigation, courts, lawyers, and legal battles.

Your business can’t afford to fight one bodily injury or property damage suit, let alone multiple liability cases. Don’t let your financial future teeter on the brink. Don’t leave things up to chance. Protect your residential and commercial alarm installation company from homeowners by purchasing Thimble’s Fire Alarm Installers Insurance.

How much does a Fire Alarm Installers Insurance policy cost?

Our Fire Alarm Installers Insurance rates are extremely affordable. We’ve designed a unique system where you can pay for an insurance policy only when you need it (which may not sound revolutionary, but it is). We offer hourly, daily, and monthly plans, all suited to your exact schedule. This means you pay when you’re on the job and don’t spend a penny when you’re not.

You can also add Additional Insureds for no extra charge.

Ultimately, Thimble’s costs are based on your business’ specific risks, determined by your location, crew size, coverage duration, and coverage limits.

Get a Quote

Your job is to safeguard homes and lives. Shouldn’t you do the same with your fire alarm contracting business?
Sign up today and get a quote for free.

What is covered under the Fire Alarm Installers Insurance policy?

General Liability Insurance with Thimble for Fire Alarm Installers is made to keep you safe from potential liabilities, including:

Bodily Injury

While installing an alarm, you initiate a test without warning the client who just so happens to be in the shower. Thinking there’s a fire, the client panics and scrambles to get out of the bathroom. In the process, they slip and fall straight through the glass door. This results in a concussion, some minor cuts, and a trip to the ER. Perturbed by the surprise, they think you should cover their medical bills.

3rd Party Property Damage

You bring a ladder into your client’s home to reach a spot in the entryway. Unfortunately, as you carry the ladder into their home, you accidentally scrape a two-foot section of their beautiful walls. Now, the client wants you to pay for a new coat of paint.

Defense Costs

A defective smoke alarm failed to go off during a fire. Although the family escaped, their house and possessions burned up in the blaze. They claim that the mechanical failure created further damage to their property, and thus increased emotional suffering. They’re suing you for $3,000,000 and you need to hire a legal team to stand in your defense.

Medical Coverage

You forgot to install a fire alarm system in the kitchen. The client left their oven on and a fire broke out, destroying the apartment and giving the victim second-degree burns on their leg. They had to go to the hospital and receive a skin graft. You’re expected to pay for the medical treatment and surgery, just because of a faulty fire alarm system.

How quickly can I get a Certificate of Insurance?

With Thimble, you can get your Certificate of Insurance instantly. Visit our website or Thimble app to generate a quote, purchase it, and then ship the COI to your inbox within 60 seconds.

Did you show up to a last-minute gig at an arena and now they’re asking for proof of insurance? No problem. Simply hop on the Thimble app and either quickly purchase or download your existing COI. There’s no limit—get as many COIs as you need, free of charge.

Want to make a change to your policy? Easy. Feel like signing up months in advance, or canceling a few hours before the job was supposed to start? Flexibility is our policy. At Thimble, our mission is to provide you with affordable, on-demand coverage when you want it, how you want it. Certificate of Insurance instantly. Visit our website or Thimble app to generate a quote, purchase it, and then ship the COI to your inbox within 60 seconds.

Did you show up to a last-minute gig at an arena and now they’re asking for proof of insurance? No problem. Simply hop on the Thimble app and either quickly purchase or download your existing COI. There’s no limit—get as many COIs as you need, free of charge.

Want to make a change to your policy? Easy. Feel like signing up months in advance, or canceling a few hours before the job was supposed to start? Flexibility is our policy. At Thimble, our mission is to provide you with affordable, on-demand coverage when you want it, how you want it.

What are the Fire Alarm Installers Insurance policy limits?

Thimble’s insurance policies have options of $1 million or $2 million in coverage. The size you select will depend upon your needs and the risk inherent to your line of work. With Fire Alarm Installers Insurance, it’s wise to opt for the higher limit, especially because the price difference is minuscule.

Are workplace injuries of my staff covered?

No. If you have additional employees in your fire alarm installation business, we advise you to purchase workers’ compensation separately. In many states, to operate legally, you’ll need workers’ comp to be in effect at all times.

Does Thimble’s Fire Alarm Installers Insurance cover damage to my equipment?

It does not. Your policy will only cover third-party property damages. If you want to protect your equipment, you’ll have to seek out another policy for commercial property insurance.

How do I get Fire Alarm Installers Insurance with Thimble?

Simply visit our website or download the Thimble app to get started. Provide us with your coverage length (hourly, daily, or monthly) your zip code, crew size, and policy limit. Once that’s done, you’ll instantly receive a quote for your Fire Alarm Installers Insurance policy. Purchase, get a COI in your inbox, make changes in real time, and do it all in 60 seconds.
Get your Fire Alarm Installers Insurance quote now.

Have questions? Visit our FAQ