SPECIALIST BROKER, AUSTRALIA-WIDE
Fire Protection Insurance
Tailored Cover for Contractors, Installers & Fire Safety Businesses
Public liability, professional indemnity, and business insurance with specialist wordings and policies built specifically for the fire protection industry. We create a tailored package with one monthly payment option, structured by an experienced broker who understands your trade.
Trusted by 1000+ Clients
THE PROBLEM
Your Fire Business Has Risks That Generic Insurance Doesn't Cover
Most insurance brokers treat fire protection companies the same as any other trade, but your business isn't like other trades.
Liability Gaps
Standard public liability policies often exclude or undercover fire system installation risks. One faulty sprinkler head, one failed alarm panel, and you're exposed to claims that your generic policy won't touch.
Professional Risks
A standard public liability policy only goes so far. It doesn’t cover your exposure when providing professional advice, system design, testing, or tagging. Without professional indemnity, you carry that financial risk alone.
Complex Contracts
Working for major builders or strata managers often means signing complex contracts with strict insurance requirements. A standard policy rarely meets these demands, leaving you in breach of contract before you even start the job.
Fire protection contractors, installers, and safety specialists deserve insurance that understands what you actually do.
THE SOLUTION
A Broker Built for the Fire Protection Industry
BOK Insurance Solutions doesn't sell insurance to everyone. We specialise in commercial cover for fire protection businesses, and we've been doing it for over 25 years. We know the risks your industry faces because we've structured policies for hundreds of fire contractors, installers, and safety specialists across Australia, offering comprehensive packages with one monthly payment option.
Specialist Fire Industry Knowledge
We understand the difference between a fire sprinkler contractor and a fire alarm installer, and why their insurance needs are different. Your policy is structured around your specific trade, not a generic category.
Access to Specialist Insurers
While there are limited insurers who truly cover the fire protection industry, our experience allows us to navigate these specialist markets to create a tailored package for your business.
Compliance-Aware Policies
We structure cover that accounts for Australian Standards (AS 1851, AS 2118, AS 1670) and the compliance obligations specific to your fire protection work.
Dedicated Claims Support
When a claim happens, you speak to someone who knows your industry. We manage the process and advocate for your business, not the insurer.
25+
Years of commercial insurance expertise
1,000+
Businesses protected across Australia
5★
Average client rating
Insurance Types for Fire Protection Businesses
Every fire protection business has a different risk profile. We structure your cover across multiple policy types to make sure nothing falls through the cracks.
Public Liability Insurance
MOST REQUESTEDProtects your fire protection business against third-party claims for bodily injury or property damage. Essential for contractors working on client sites, from sprinkler installations to fire panel maintenance.
Covers:
- Third-party injury claims on job sites
- Damage to client property during installation
- Legal defence costs
Professional Indemnity Insurance
CRITICAL FOR CONSULTANTSCovers claims arising from professional advice, design errors, or failure to meet specifications. If your fire protection work involves system design, compliance consulting, or project management, you need PI cover.
Covers:
- Errors in fire system design or specification
- Failure to comply with Australian Standards
- Negligent advice on fire safety compliance
- Breach of professional duty claims
Business Insurance Packages
Comprehensive cover that bundles property, contents, business interruption, and general liability into a single tailored package for your fire protection operation.
Covers:
- Commercial property and contents
- Business interruption
- Tools and equipment (on-site and in transit)
- Commercial Motor Vehicles
Management Liability
Protects directors, officers, and the business itself from claims related to employment practices, statutory obligations, and management decisions.
Covers:
- Employment practices liability
- Directors and officers liability
- Statutory liability
- Company reimbursement
Cyber Insurance
Protection against data breaches, ransomware, and cyber-related business interruption.
Workers Compensation
State-mandated cover for workplace injuries. We ensure your fire protection business meets its obligations.
Not sure which cover you need?
We'll assess your fire business and recommend the right combination.
Get Your Tailored QuoteWHO WE COVER
Insurance for Every Fire Protection Trade
Whether you install sprinkler systems, maintain fire panels, or supply fire safety equipment, we've built policies for businesses exactly like yours.
Fire Sprinkler Contractors
Installation, maintenance, and testing of sprinkler systems. We cover the unique liability risks of water-based suppression work.
Fire Alarm Installers
Fire detection and alarm system installation and servicing. Cover for panel work, wiring, and system commissioning.
Fire Suppression Specialists
Gas suppression, foam systems, and specialty extinguishing systems. Niche risks covered by a niche broker.
Fire Safety Consultants
Fire engineering, compliance auditing, and safety consulting. Professional indemnity cover for advice-based services.
Fire Equipment Suppliers
Manufacture, distribution, and supply of extinguishers, hose reels, and fire safety equipment. Products liability included.
Fire System Maintenance & Servicing
Ongoing essential services maintenance under AS 1851. Cover for routine inspections, testing, and repair work.
Don't see your specific fire trade?
Call us — if it's fire protection, we cover it.
WHY BOK
Why Fire Protection Businesses Choose BOK
Expertise You Can Trust
Alongside our broad commercial insurance offerings, we provide deep, specialist expertise in the fire protection industry. When we discuss your business, we already know what AS 1851 means.
Experienced Alternative
While many know the single broker heavily promoted in industry magazines, we offer a dedicated, highly experienced alternative. We know how to navigate the limited specialist insurers available.
Tailored Packages & Monthly Payments
We build specialist wordings and policies into a single comprehensive package that matches your actual operations, and we offer convenient one monthly payment options.
Australian Owned & Based
BOK Insurance Solutions operates from the Gold Coast, Queensland. Your broker is local, accessible, and understands the Australian regulatory landscape.
Claims Advocacy
When you make a claim, we work for you, not the insurer. We manage the process, chase responses, and fight for the outcome your business deserves.
Belinda O'Keefe — Your Broker
BOK is led by Belinda O'Keefe, a commercial insurance professional with over 20 years of industry experience. When you call BOK, you speak to a decision-maker, not a call centre.
HOW IT WORKS
Get Covered in 3 Simple Steps
Securing specialist fire protection insurance requires detail, but our experienced team guides you through the necessary forms to create your tailored package.
Complete Your Profile
Fill out our detailed proposal form or call us on 0490 096 339. Because fire protection is highly specialised, we need accurate details about your trade, turnover, team size, and compliance obligations to secure proper cover.
We Engage Specialist Markets
We take your comprehensive details to the select few insurers who actually underwrite fire protection risks. We leverage our industry experience to negotiate a tailored package for your business.
Secure Your Package
We present your comprehensive insurance package in plain English, ensuring you understand your cover. We also offer one monthly payment option to help manage your cash flow.
Ready to start?
Trusted by Fire Protection Businesses Across Australia
"I have used BOK for several years and Belinda is amazing in ensuring we are covered with everything we need for our business, house and health insurance. Always pleasant and responsive in her communication and goes above and beyond to ensure the right policy and price."
"Belinda is a legend. Before BOK, I spent hours trying to explain our compliance sign-offs to brokers who didn't have a clue. She knew exactly what PI cover we needed straight away. Makes life so much easier."
"Our old insurer couldn't offer cover for work at hospitals and BOK was able to secure this for us."
Fire Protection Insurance — Frequently Asked Questions
Still have questions?
Speak to an advisor (Request Callback)Ready to Protect Your Fire Business?
Speak directly with an industry expert to create a tailored insurance package for your specific operations.
