Member invitation · Alberta and British Columbia
A captive insurer built by fire protection contractors, for fire protection contractors.
Our approach
Commercial insurers price sprinkler contractors alongside every other construction trade. Clean operators carry the cost of losses they never caused, and every premium dollar leaves the trade for good.
Our captive brings together fire protection companies committed to strong safety practices and responsible risk management.
The goal is to give members greater control over their insurance costs and an opportunity to share in the financial benefits of strong collective performance. By managing claims and expenses effectively, we aim to retain more value within the membership and reduce the long-term cost of insurance.
Savings and rebates depend on the captive's results, funding requirements and program terms.
What members get
Members receive rebates tied to pool results. The rebate schedule is outlined in the member area.
Liability, errors and omissions, pollution and umbrella cover shaped around how fire protection contractors actually work.
An on-staff forensic insurance adjuster, familiar with our industry and hired to defend sprinkler claims. Independent forensic review of every claim over $10,000 keeps nuisance claims out of the pool.
An Elite tier for five years without a major claim, with a clear path in for everyone else.
How a captive works
Each member pays a premium based on its own operations and loss history, priced by an independent actuary.
Claims are paid from the pool. Large losses are passed to reinsurers, so one bad year cannot sink the captive.
Alberta sets minimum capital for association captives. That capital and the claim reserves are held before any rebates are paid.
When claims run lower than priced, members receive rebates instead of the savings staying with an outside insurer.
Membership is open to fire protection contractors in Alberta and British Columbia who qualify through the Pre-Qualifying process.
Request the confidential briefing →About us
Fire Protection Alliance Ltd. is an Alberta corporation forming an association captive insurer for the fire protection trade in Alberta and British Columbia.
Why we are creating this
Our founding companies have gone five consecutive years without a major claim. In the open market, that record barely moves the price, because we are rated with the whole construction class.
Total exclusions for firefighting foam and other pollutants are now appearing on contractor policies. Cover is narrowing at the same time premiums rise. A captive lets the trade decide what it covers.
A commercial carrier keeps every dollar you don't claim. In the Alliance, a clean year earns members a rebate, with the schedule outlined in the member area. Claims go to a forensic adjuster who specializes in the fire protection trade, not a generalist who has never seen a sprinkler system.
An adjuster who has never seen a dry-pipe system or a fire pump test cannot defend our members well. Our claims process starts with an on-staff forensic insurance adjuster who knows the work.
Good contractors photograph installs, log every inspection and test, and train their crews. The Risk Platform turns that work into evidence that prevents claims and wins the ones that come.
Founding partners
Founding Partner · Owner, Streamline Fire Protection Ltd.
Richard owns Streamline Fire Protection Ltd. in Acheson, Alberta, together with its affiliates Merine Fabrication & Design Ltd. and All Pipe Fabrication. He leads member recruitment and brings the operating view of a working sprinkler contractor to the board.
Founding Partner · Capital and Strategy
Kurt leads the capital structure, regulatory application and business plan for the Alliance, and will sit on its board. He provides the founding capital and has spent his career in industrial real estate and multi-entity business operations across Canada and the United States.
How we're governed
The Alliance is launching in Alberta and British Columbia at the same time. It will be licensed by the Alberta Superintendent of Insurance under the Captive Insurance Companies Act, and its British Columbia program will meet the requirements of the BC Financial Services Authority. That means a board, an appointed actuary, an independent external auditor, a licensed captive manager, minimum capital held on deposit, and annual filings.
Members sign an association agreement that sets out how they join and leave, how disputes are settled, and how rebates are distributed.
Membership
Membership is open to fire protection contractors in Alberta and British Columbia who qualify through the Pre-Qualifying process.
Two tiers
Tier one
Tier two
Rebates
Approved members sign in to see the rebate schedule and their own rebate history.
Rebates are targets, not guarantees. They are paid only after claims, reinsurance, operating costs and regulatory capital are covered, and require board and regulatory approval.
Coverage
Bodily injury and property damage arising from installation, inspection and service work.
Design and professional liability for design-build sprinkler and special hazard work.
Pollution exposure from site work, with firefighting foam use tracked on the Risk Platform.
Higher limits above the primary layers for general contractors' contract requirements.
Final limits, deductibles and wordings are set with the appointed actuary, captive manager and reinsurers before the licence application.
Where we are
Fire Protection Alliance Ltd. registered in Alberta.
Ten contractor companies committed to join at launch.
Proposals requested from national brokers and captive managers.
Independent feasibility study, business plan and application to the Alberta Superintendent of Insurance.
Minimum capital placed on deposit, licence issued.
Founding members move their cover to the Alliance at renewal.
How to join
A mutual non-disclosure agreement opens the confidential briefing.
Coverage outline, governance and the association agreement.
Five years of loss history for underwriting review.
Commit to join and move your cover at renewal.
The Alliance Risk Platform
Our members' Risk Management Protocol. It captures the evidence that defends a claim, at the moment the work is done.
Time-stamped photos of every install, filed against the job automatically. The evidence that defends a claim.
Testing and inspection logs captured on site and filed automatically, ready for an authority having jurisdiction or an adjuster.
A record of firefighting foam use and exposure events, so pollution questions are answered with data.
Report from site in minutes, with early screening so small issues stay small.
The Risk Platform is our members' Risk Management Protocol. It is demonstrated in the confidential briefing.
Request the briefing →Questions
An insurance company formed to insure the members of a trade or industry group. Alberta's Captive Insurance Companies Act allows association captives to be licensed in the province.
Reference: Government of Alberta, Captive Insurance Company Licensing Guide
No. Fire Protection Alliance Ltd. is incorporated and is preparing its licence application. It does not offer, sell or bind insurance until it is licensed.
Large losses are passed to reinsurers, and the captive holds minimum capital set by the Alberta regulator. Rebates are reduced or skipped in a bad year; the pool is designed to keep paying claims.
Yes. The Alliance is launching in Alberta and British Columbia at the same time. British Columbia contractors join on the same terms, with the same coverage, rebates and claims support as Alberta members.
The aim is cover at least as broad as your current program, written for fire protection work. Each member's current policies are reviewed line by line before moving.
Yes. The association agreement sets out how members exit and how any rebates owed to them are settled.
Fire protection contractors who qualify through the Pre-Qualifying process.
Member area
Approved members sign in here to access their membership.
Members
New members
Sign-up starts the Pre-Qualifying process. Once you are approved, we send your member login and the rebate schedule.
Confidential briefing
The briefing covers the coverage outline, governance, the Alliance Risk Platform and the association agreement. A signed non-disclosure agreement is required.
Tell us about your company
Founding Partner · Owner, Streamline Fire Protection Ltd.
Founding Partner