FIRE & LIFE SAFETY INSURANCE
Coverage shaped around your work
Fernstone helps sprinkler, alarm, suppression, inspection, testing, monitoring, and design-build contractors secure coverage that fits their actual project mix.
Nuance prevents delays and gaps
Per-project limits, waiver of subrogation, umbrella, completed operations, professional liability, additional insured status, licensing, subcontractors, and AHJ requirements all affect the program.
02 / INDUSTRY EXPERIENCE
Design, installation, inspection, testing, monitoring, retrofit, and suppression work create long-tail completed operations and professional exposure. Fernstone understands the insurance language behind the job.
Per-project coverage
We help structure project-specific limits and endorsements so a major job does not exhaust protection available to the rest of the business.
Waiver of subrogation
We review waiver requirements, additional insured language, and primary and non-contributory terms before they delay mobilization.
Umbrella
We help align umbrella limits with owner, GC, licensing, vehicle, and high-severity completed-operations requirements.
Umbrella ready
Coverage context across fire and life safety accounts Fernstone handles.
Relationships that match the way you operate
Our carrier relationships help fire and life safety contractors access coverage for service-only, retrofit, design-build, and multi-state operations.
Contract review before requirements become problems
Fernstone reviews subcontract, owner, bid, and AHJ insurance requirements and helps align per-project limits, waivers, umbrella, endorsements, and certificates.
Fernstone is licensed in all 50 states and ready to support fire and life safety contractors nationwide—from newer service shops to complex multi-state design-build operations.
Deep fire and life safety expertise. Fast, clear support.