What Is Efficacy Insurance?

For fire safety companies, efficacy insurance is one of the most important – and hardest to obtain – covers.

Efficacy refers to a product’s ability to perform its intended function.

In your industry, that could mean:

• A fire alarm failing to detect smoke
• A suppression system not activating
• Fireproofing materials not performing as expected

Why Efficacy Cover Is Essential

Without efficacy cover, your policy may not respond if:

• Your product fails to prevent or limit damage
• A client claims financial loss due to failure
• Your installation doesn’t perform as designed

This creates a significant uninsured exposure.

Why Is Efficacy Cover Hard to Get?

Most insurers view fire safety risks as high severity due to:

• Potential for catastrophic loss
• Legal complexity
• Increasing regulatory scrutiny

As a result, many policies:

• Exclude efficacy entirely
• Add restrictive endorsements
• Limit cover to very low levels

How We Help

At Champion Insurance Group, we specialise in placing Products Liability policies with efficacy cover for fire safety firms.

Through our insurer relationships and schemes, we can:

• Negotiate broader wording
• Access specialist underwriters
• Provide bespoke solutions

Who We Work With

We support:

• Fire alarm and detection installers
• Sprinkler and suppression contractors
• Passive fire protection specialists
• Fire risk assessors and consultants

Get the Cover Others Can’t Offer

If you’ve been told efficacy cover isn’t available – or your policy excludes it – we may be able to help.

👉 Contact Champion Insurance Group today to speak with an advisor about securing efficacy cover for your business on 03330 430 430 (option 3) or email on info@championinsure.co.uk.