By Drew Moyer, Underwriter — General Liability · USMC Insurance
Underwriting Services Management Co (USMC Insurance), an E&S MGA, writes general liability for fire suppression contractors across every U.S. state except Alaska. Eligible work includes wet/dry automatic sprinklers, foam and chemical systems, fire alarm installation and repair, hood and duct cleaning, and servicing/refilling portable extinguishers — with limits up to 2M/4M/4M and a $25,000 minimum premium.
What fire suppression work is eligible?
- Wet/dry automatic sprinklers
- Foam and chemical systems
- Fire alarm installation and repair
- Hood and duct cleaning
- Servicing and refilling portable extinguishers
Ineligible: marine/aviation and fireproofing.
Program at a glance
| Primary limits | 1M/2M/2M or 2M/4M/4M (now offering 2/4/4) |
| Per-project aggregate | $5,000,000 |
| Supported excess | $5M over 1/2/2; $3M over 2/4/4 |
| Minimum premium | $25,000 |
| States | All U.S. states except Alaska |
| NY requirement | Insured must hold a Master Fire Suppression & Piping Contractor’s License (NY only) |
Why an E&S market for fire suppression?
Fire suppression blends contracting with life-safety exposure, which pushes it into the E&S market. An MGA that underwrites the class directly can tailor terms to whether the contractor installs, services, or inspects — rather than forcing every fire suppression risk into one generic box.
Frequently asked questions
Does USMC cover sprinkler systems and extinguisher service?
Yes — wet/dry sprinklers, foam and chemical systems, alarms, hood and duct cleaning, and extinguisher servicing/refilling.
Is there a special New York requirement?
Yes — NY contractors must hold a Master Fire Suppression & Piping Contractor’s License.
USMC also offers supported excess on fire suppression accounts through Demeter Specialty Risk LLC. Learn more about Fire Suppression Coverage or Commercial General Liability at USMC.