Fireproofing & Firestopping Contractor Insurance Coverage Checklist
The coverages a fireproofing & firestopping contractor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for spray fireproofing, intumescent, and firestopping contractors. Priorities reflect typical exposure for this class; confirm against your actual work and projects.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (incl. | Completed Ops) Covers fire spread and property damage claims blamed on your work after completion. | Core | |
| Workers' Compensation / Employer's Liability | Covers sprayers and installers working at height. | Core | |
| Contractor's Professional Liability | Covers engineering judgments, assembly design, and inspection services. | Prevalent | |
| Contractor's Pollution Liability | Covers asbestos and dust releases — excluded from GL. | Prevalent | |
| Commercial Auto | Covers trucks and spray rigs. | Core | |
| Contractor's Equipment (Inland Marine) | Covers spray pumps, lifts, and tools. | Prevalent | |
| Umbrella / Excess Liability | Adds the limits large projects require. | Prevalent | |
| Rework / Faulty Workmanship | Rarely covered — budget for rework after failed inspections. | Situational | |
| Asbestos Abatement Liability | Needed only if you remove legacy fireproofing. | Situational | |
| Surety Bonds | Performance and payment bonds for public and larger jobs. | Situational |
The coverage gap most often missed
The gap most often missed by passive fire protection contractors is professional work. Writing engineering judgments, designing assemblies, or inspecting others' firestopping is a professional service that GL excludes — and when a fire spreads through a penetration, the claim can be large. Rework after a failed inspection is usually not covered at all. Use only listed systems, document every penetration, and add professional liability if you write judgments or inspect.
Send us the checklist and we'll review your fireproofing & firestopping contractor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Fireproofing & Firestopping Contractor Insurance · Fireproofing & Firestopping Contractor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a fireproofing & firestopping contractor business need?
The core coverages for a fireproofing & firestopping contractor business are General Liability (incl., Workers' Compensation / Employer's Liability, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my fireproofing & firestopping contractor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.