Fire Protection

Discover Real Protection For the Fire Protection Industry

Fire protection contractors need insurance to protect themselves and their clients from potential liabilities associated with their work. Given the critical role they play in ensuring the safety of buildings, any errors or omissions in their work could lead to significant property damage, injuries, or even loss of life. Insurance coverage provides financial protection against claims arising from accidents, property damage, or bodily injury caused by fire protection system failures, installation errors, or negligence. Additionally, insurance can safeguard contractors against potential legal costs associated with defending against lawsuits or settlements. By having appropriate insurance coverage, fire protection contractors can mitigate risks, fulfill contractual obligations, and maintain the trust of their clients.


Why Choose The Millward Agency?

Choosing The Millward Agency means opting for unwavering confidence in your insurance provider. Our accolades and recognitions speak volumes about our commitment to excellence. Our bespoke insurance solutions for the automotive industry are designed to underwrite your success, with a proven track record of serving businesses like yours with integrity, innovation, and a keen understanding of industry-specific risks.

Nationwide Presence

We are proud to offer nationwide coverage while retaining a personal touch that resonates with local communities. Our understanding of diverse regional needs ensures that our clients receive service that feels both global and neighborly.

75+ Years of Expertise

We carry a legacy of over seven decades in the insurance industry. Our enduring commitment to excellence is rooted in a deep understanding of insurance’s evolving landscape, shaped by years of experience and client-focused service.

Integrity in Every Policy

Our philosophy is simple: if we wouldn’t buy it ourselves, we won’t sell it. This ethos ensures every policy we offer is built on a foundation of trust and reliability, reflecting our commitment to honest and transparent insurance solutions.

Target Classes

Fire protection services encompass a range of measures and systems designed to prevent, detect, control, and mitigate the impact of fires.

Here are some common types of fire protection services:


Fire sprinkler systems installation and maintenance
 Design, installation, and maintenance of fire sprinkler systems, including wet pipe, dry pipe, pre-action, and deluge systems.

Fire suppression systems installation and maintenance
Design, installation, and maintenance of various fire suppression systems, such as kitchen hood suppression systems, clean agent systems, and foam systems.


Fire alarm systems installation and maintenance
 Installation and regular maintenance of fire alarm systems, including smoke detectors, heat detectors, and manual pull stations.


Fire extinguisher services
 Inspection, testing, maintenance, and refilling of portable fire extinguishers to ensure they are in proper working condition.

CCTV, Security & Monitoring

Emergency lighting services

Fire pump services

Fire door and firestop services

Fire safety consulting

Fire training and education

Fire investigation and forensic services

Wholesale & Distributors


These services play a crucial role in safeguarding lives, protecting property, and minimizing the impact of fires on communities and businesses.

Specialized Protection

  • Blanket additional insured ongoing ops & completed ops including, primary and not contributing
  • Blanket waiver of subrogation
  • Blanket per project aggregate
  • Mold / fungus coverage
  • No exclusion or limitation endorsement for residential or CPVC work
  • Employee Benefits, Stop-Gap coverage available
  • Professional and Pollution Liability available
  • All carriers are “A” rated

Standard Liability limits but not limited to:



General Aggregate


Aggregate Products/Operations


Personal Injury / Advertising Injury




Damage To Premises Rented To You


Umbrella/Excess Liability

$1,000,000 – $25,000,000+

Policies Offered

With the ability to offer a diverse array of myriad of comprehensive coverages be reassured that no gaps will exist.

Below is a list of some common coverages but not limited to:

General Liability Insurance

Protects against claims of bodily injury or property damage to third parties occurring on the job site or as a result of business operations.

Commercial Property Insurance

Covers damage or loss to business property, including office buildings, equipment, tools, and inventory, due to fire, theft, vandalism, or other covered perils.

Inland Marine

Covers equipment, tools, and materials used by fire protection contractors while in transit or temporarily stored off-site.

Workers' Compensation Insurance

Provides coverage for medical expenses, lost wages, and disability benefits for employees who are injured or become ill while performing their job duties.

Commercial Auto

Covers vehicles used for business purposes, including service trucks, vans, or other vehicles owned or leased by the company.

Professional Liability (Errors & Omissions Insurance)

Covers claims of negligence, errors, or omissions in the design, installation, or maintenance of fire protection systems.

Pollution Liability

Protects against claims related to environmental damage or pollution caused by fire protection activities, such as the release of hazardous substances or pollutants.

Umbrella Liability

This policy provides additional liability coverage beyond the limits of primary liability policies, offering extra protection against catastrophic claims or lawsuits that exceed the underlying policy limits.

Builders Risk

Coverage for property under construction or renovation, protecting against damage from various perils like fire, theft, and vandalism.

Installation Floater

Covers fire protection equipment and materials while in transit to the job site or stored at the job site before installation.

Leased/Rented Equipment from Others

Coverage for equipment leased from others, protecting against damage, loss, or liability during the lease period.

Surety Bonds

Guarantees performance or payment obligations to clients or government agencies, ensuring that projects are completed according to contract terms and regulations.

Contractor's Equipment Insurance

Provides coverage for tools, machinery, and equipment used in fire protection installations and maintenance, protecting against damage, theft, or loss.

Cyber Liability Insurance

Covers costs associated with data breaches, cyberattacks, or other cyber incidents that may compromise sensitive information or disrupt business operations.

Employment Practices Liability Insurance (EPLI)

Protects against claims of discrimination, harassment, wrongful termination, or other employment-related issues brought by employees or former employees.

Business Interruption Insurance

Provides coverage for lost income and extra expenses incurred due to a fire or other covered peril that disrupts business operations.

Crime Insurance

Protects against losses resulting from theft, burglary, employee dishonesty, or other criminal acts committed against the business.


OCIP insurance is a centralized policy controlled by the project owner, providing coverage for all contractors and subcontractors in large construction projects, streamlining administration and potentially reducing costs

By having a comprehensive portfolio of insurance coverage, fire protection contractors can mitigate risks, protect their assets, and maintain financial stability in the event of unexpected incidents or liabilities.

The Millward Agency, Inc. Testimonials

Hear from our clients who have achieved stability and growth with The Millward Agency’s insurance solutions. Our case studies demonstrate our commitment to providing unparalleled support and protection, proving that no challenge is too big when you have the right insurance partner.

Kurtis ThorntonKurtis Thornton
18:38 16 Jan 22
Very helpful and nice people, a great place to get your insurance needs taken care of.
Christopher LymanChristopher Lyman
14:48 26 Oct 19
Finally, I don't need to ever look for another insurance agent. The Millward Agency handles my personal and business insurance. Always helpful with my questions and quick to respond to my emergencies. The Millward Agency Rocks!
Markusz SudozMarkusz Sudoz
19:03 19 Jul 19
Every time I go to my broker, Ed Caceres @ the Millward Agency, he always finds me the best insurance rates on my real estate properties. Ed is great, always extremely responsive and understanding of the industry. In the past I would go do my own insurance shopping and spend hours on hours to get the best rate, now I do not even bother shopping around I just call Ed and he always has the best pricing. In the beginning I got a quote from Ed then shopped around, now I have learned to not even waste my time. Ed @ Millward Always saves me hundreds of dollars. 110% on customer service, 100% on pricing!!! A+++
Mobility SolutionsMobility Solutions
19:09 25 Jul 18
Everybody!!!!! is Great to work with when ever I need anything which is almost monthly.Linda
carlene klebecarlene klebe
20:01 22 Jun 18
My former insurance agent and friend recommended Ed Caceres of Millward Agency. Within hours of having given Ed a call, I had quotes and was decided to go with his carrier. He was professional and answered all my questions. I’m happy to have done business with Ed and Millward Agency.
John CourtneyJohn Courtney
16:20 11 Jun 18
Business or Personal this is who you want - Personal service from their Team is amazing, treat as though you are their only client.* Business - Review policy/coverage every year. Not limited to one or two insurance providers. Recommend changes, not necessarily to save money (although it is available) provide additional coverage. Three months later our additional coverage cost $150 on a $15000 claim. For years we were not covered! They are not limited to one or two insurance providers as our previous agent.* Personal - couple of claims were handled like we were their only client. They bundled coverage in such a way to save $2100 a year for a family of four and kids in college.***Will continue to recommend to business colleagues, friends and family***
Karen CarterKaren Carter
16:01 08 Jun 18
Our company has been working with Millward Agency for many years.They have been the best insurance company I have ever worked with.The staff is always very informative and very professional. Our insurance needs which include general, auto and worker's comp are very complex. Millward is able to handle and update all of our needs at any time of the year. I really like the fact they get back to you very quickly! They are very knowledgeable and caring we never think of going elsewhere. We will definitely be customers for years to come. Thank you Millward Agency!
Chad StottChad Stott
17:56 07 Jun 18
Wade and the Millward team have been consistently reliable, prompt, knowledgeable and a pleasure to work with. Wade and his crew have guided us through our ever growing needs and we attribute our success to the partnerships we have forged with organizations like The Millward Agency. We look forward to many more years working together.

Get a Quote

Ready to accelerate your business’s security and success? Contact Millward Agency today for a personalized insurance quote. Our team of experts is here to guide you through the process with ease and confidence, ensuring your business is covered, no matter what lies on the road ahead.