Can Fire Suppression Systems Reduce Your Insurance Premiums?
If you manage or own a commercial property, you already know insurance isn’t cheap. Premiums climb each year, and insurers constantly review risk factors. One factor they pay close attention to is fire protection. That’s where fire suppression systems come in. They protect your assets and can also help reduce insurance premiums.
So, can fire suppression systems reduce your insurance premiums? Here’s what you need to know.
How do insurers calculate fire risk for buildings?
Insurers base premiums on the perceived risk a building poses. Fire is one of the most significant risks for commercial properties, especially those with high occupancy, flammable materials, or outdated infrastructure. When insurers assess a site, they look at:
- Type of fire protection systems installed
- Building use and occupancy
- Claims history
- Compliance with regulations
- Maintenance and inspection records
If you’re a facilities manager overseeing an ageing property, or a developer finalising plans for a mixed-use scheme, these criteria directly affect how much you pay and how much you can save. Fire sprinkler and suppression solutions improve your position in each of these categories. They limit fire damage and show insurers you’re actively reducing risk.
What qualifies as a fire suppression system?
Automatic fire protection systems include more than just sprinklers. While sprinklers are the most common, the term covers:
- Wet pipe sprinkler systems (always filled with water)
- Dry pipe systems (used in colder environments)
- Mist suppression systems (ideal for residential or compact commercial spaces)
- Chemical or gas-based systems (used in data centres, archives, or kitchens)
At RAD Fire Sprinklers, we specialise in systems for residential and mixed-use commercial buildings and ensure full compliance with UK standards.
Can fire suppression systems lower your insurance premium?
While exact savings vary by provider, properties with certified fire suppression systems often benefit from noticeable insurance premium reductions. Some insurers offer savings of 10–15% for buildings fitted with compliant systems, especially when supported by regular maintenance and proper documentation. *
Premium reductions also tend to be greater for properties that house vulnerable individuals or high-value contents. If you’re a landlord managing a portfolio of flats or a care home operator focused on resident safety, these fire protection systems can offer both financial and legal reassurance.
To get accurate pricing, please fill out our short online form via the sprinkler cost guide and we’ll come back to you with a tailored quote.
Why do insurers reward buildings with fire systems?
By reducing the likelihood and severity of fire claims, these safety systems benefit both you and your insurer. Many providers offer lower premiums or other financial incentives for buildings fitted with approved fire control measures.
Key benefits include:
- Lower premiums: Insurers may offer discounts for buildings protected by approved systems.
- Improved coverage terms: Fire risk reduction strategies may allow you to access broader coverage options.
- Fewer exclusions: Buildings with compliant fire installations are less likely to face restrictive fire clauses.
Speak to your insurance provider before installation. Some require specific system types or certification to qualify for discounts.
Do fire suppression systems help with fire safety compliance?
Insurance isn’t just about risk. It also involves compliance. Properties that fail to meet fire safety standards may face higher premiums or rejected claims. Installing compliant suppression systems helps ensure you meet the requirements of:
- Building Regulations (Approved Document B)
- BS 9251:2021 or BS EN 12845
- Regulatory Reform (Fire Safety) Order 2005
Many insurers request documentation proving compliance with these standards. At RAD Fire Sprinklers, we provide full certification and support for all installed systems, including liaison with building control and insurers. Learn more about our approach to compliance.
Quick reference: What insurers look for
| Requirement | Why it matters |
| BS 9251 or BS EN 12845 compliance | Ensures the system meets national standards |
| Accredited installation (FIRAS, IFC, RSA, BAFSA) | Provides third-party assurance |
| Maintenance and service logs | Demonstrates long-term risk reduction |
| Occupancy and risk profile | Helps insurers assess premium band |
Keep this checklist handy when reviewing your policy or preparing for renewal. See our full service offering for support.
Comparing insured vs non-insured fire protection
Buildings without advanced suppression measures typically face stricter exclusions and limited policy options. For example, some insurers impose additional deductibles for fire-related claims or refuse coverage above a certain threshold if no control systems are in place.
Certified installations often determine whether a claim is accepted or denied. They are also seen as part of a responsible risk management strategy that many insurers now expect.
Real-world implications: fire suppression reduces more than physical damage
When a fire breaks out, the effects can quickly spread across operations; halting service, damaging your reputation, and putting staff or tenants at risk. Business interruption, lost revenue, damaged stock, and reputational harm can follow. Fire protection systems contain or extinguish a fire before it spreads, helping you avoid these outcomes. Insurers report that buildings with these systems may experience up to 60% fewer claims compared to similar properties without them. *
What steps help you save more with fire suppression systems?
To make sure your fire suppression systems deliver real insurance value, consider these steps:
- Consult your insurer early: Check what systems and documentation they accept.
- Use certified installers: Only systems fitted by accredited professionals like RAD Fire Sprinklers count towards most insurance savings.
- Keep records: Maintenance logs and compliance certificates may be requested at renewal.
- Notify your insurer: Once installed, provide evidence of the fire suppression systems to ensure the changes are factored into your policy.
Why RAD Fire Sprinklers?
With over 17 years of experience, RAD Fire Sprinklers offers:
- Custom-designed suppression systems for residential and mixed-use buildings
- Full compliance with UK fire safety regulations
- Accredited installation and certification (FIRAS, IFC, RSA, BAFSA)
- Expert advice for developers, landlords, and architects
- Experience working alongside insurers and building control teams
We support you from planning to installation and beyond, ensuring your systems remain compliant and your building stays protected. See how a fire prevention system has already solved challenges in listed buildings, loft conversions, and bespoke residential projects.
Take control of your risk
If you’re looking to reduce your insurance costs, don’t wait for your next renewal to act. Getting fire suppression systems in place now shows insurers you’re serious about fire safety and could save you money on future premiums.
Contact us to discuss what’s best for your building and get a clear, no-obligation quote that meets your compliance goals.
FAQs about fire suppression systems and insurance
Do fire suppression systems reduce building insurance?
Yes. Many insurers offer discounts on premiums for properties fitted with certified fire suppression systems.
What type of system is best for landlords?
Mist suppression systems are often ideal for multi-unit residential buildings, offering effective protection with minimal water damage risk.
Can fire sprinklers reduce business interruption?
Absolutely. Fire suppression systems can contain a fire quickly, reducing operational downtime and speeding up recovery.
What fire suppression documentation do insurers require?
Most require proof of compliance with BS 9251 or BS EN 12845, along with a certificate from an accredited installer.
Is fire suppression worth the investment for developers?
Yes. Aside from potential insurance savings, it supports planning approval, risk management, and tenant safety.
*Savings percentages referenced are based on general industry estimates. Check with your insurance provider for specific eligibility criteria.
