Fire Extinguisher Company Insurance: $100K Utah to $1M Georgia

A Fire Marshal License That Starts With a Certificate of Insurance

Companies that inspect, recharge or install fire extinguishers are usually licensed by the state fire marshal, not a contractor board, and nearly every one of those licenses requires proof of liability insurance before it is issued. The required amount runs from $100,000 to $1,000,000. Georgia requires $1,000,000 for a portable extinguisher license. Utah and Texas require $100,000 per occurrence and $300,000 in total. Florida and Kansas set different amounts for each license class, so the class alone can triple the required coverage in Florida and multiply it by ten in Kansas.

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Quick Answer: Extinguisher Company Insurance in Five States

Each figure was checked against the statute, rule or state fire marshal page in September 2026.

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State-by-State Detail

Georgia: $1 million, and the Commissioner can raise it

Ga. Comp. R. & Regs. 120-3-23-.04 sets the minimum liability coverage for a portable fire extinguisher license at $1,000,000. The rule adds that "the amount of insurance required may be higher if so specified by the Commissioner."

The policy must cover:

• Bodily injury and property damage
• Products liability
• Completed operations
• Contractual liability

The certificate must list the Insurance Commissioner as certificate holder at the Safety Fire Division's Atlanta address, and the insurer must notify the Commissioner of any change in coverage. Georgia's minimum ties Kansas's top tier as the highest in this group, and it is ten times Utah's per-incident figure.

Florida: four license classes, three insurance floors

Fla. Stat. §633.304 lets the State Fire Marshal set insurance amounts by rule, but not below these floors:

Any class held together with a Class D license must carry at least $300,000 in total. Required coverage includes comprehensive general liability for bodily injury and property damage, products liability, completed operations and contractual liability.

Florida's enforcement is the strictest reviewed. The State Fire Marshal can demand proof of insurance at any time, with no more than 30 days to respond. Failure to provide proof "for any length of time" results in the immediate suspension of the license until proper proof is provided.

Kansas: coverage rises with the registration type

The Kansas State Fire Marshal's fire extinguisher registration page, which points to K.A.R. 22-10-1 through 22-10-19, requires insurance covering comprehensive general liability, bodily injury, property damage and completed operations in these amounts:

Kansas also requires current ICC/NAFED certification to obtain a registration certificate. The RD license's $1,000,000 is ten times the RB and RC amounts. Confirm with the Fire Marshal which registration type covers the work you plan to do before buying a policy.

Texas: a statutory floor with products coverage

Texas Insurance Code §6001.154 bars the state from issuing a fire extinguisher registration certificate unless the applicant files evidence of a general liability policy that includes products and completed operations coverage. The statute sets minimum limits of:

• $100,000 combined single limit for bodily injury and property damage per occurrence
• $300,000 aggregate for all occurrences in each policy year

The commissioner may adjust these limits after notice and hearing. Evidence must be a certificate from an authorized insurer countersigned by a licensed agent, or surplus lines coverage obtained under the applicable chapters. 28 Tex. Admin. Code §34.514 repeats that the State Fire Marshal will not issue a certificate of registration without proof of liability insurance that includes products and completed operations coverage.

Failing to maintain the insurance is grounds for denial, suspension or revocation of the registration certificate after notice and an opportunity for a hearing.

Utah: company license, not the technician

The Utah State Fire Marshal licenses the business, called a "concern," separately from individual technicians, who hold a certificate of registration. The concern's application must include proof of public liability insurance of at least $100,000 for each incident and $300,000 in total. Utah's page describes this as a requirement for the business, not for individual technicians.

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Who Must Carry the Coverage

The pattern is consistent: the company license or registration carries the insurance, while individual technicians hold a separate permit or certificate showing they are qualified. Utah draws this line explicitly, and Texas distinguishes the company registration certificate from individual licenses.

A technician who leaves a registered company to service extinguishers independently should expect the company-level registration, and its insurance requirement, to apply to the new business.

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Pre-Engineered Systems Sit in Florida's Top Tier

Florida's Class D license covers pre-engineered fire extinguishing systems, a category that includes many restaurant kitchen hood suppression systems, and it shares the $300,000 top tier with Class A. A company that services only portable units under Class C can qualify with $100,000. A restaurant's own coverage obligations are separate; see restaurant insurance requirements.

Companies that also install sprinkler or alarm systems usually need separate licenses with their own insurance terms. See fire sprinkler contractor insurance requirements and alarm system contractor insurance requirements.

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Penalties for Lapsed Coverage

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How to Comply

1. Pick the license class before the policy

In Florida and Kansas, the license class sets the insurance floor. In Florida, adding pre-engineered system work (Class D) raises the total to at least $300,000.

2. Confirm products and completed operations coverage

Georgia, Florida, Kansas and Texas all name completed operations, because a defect in serviced equipment may not show until a fire. A premises-only policy does not meet these rules. For the difference between policy triggers, see occurrence vs. claims-made insurance.

3. Get the certificate holder right

Georgia requires the Insurance Commissioner as certificate holder. For how certificates work generally, see certificate of insurance requirements.

4. Keep proof ready at all times

Florida can demand proof at any time and suspends immediately if it is missing.

5. Check commissioner adjustments

Georgia's Commissioner can require more than $1,000,000, and Texas's commissioner can change the statutory limits after a hearing. Ask the fire marshal's office for the current figure before renewal.

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FAQ

Do fire extinguisher service companies need insurance?

In every state reviewed here, yes. Georgia requires $1,000,000, Florida $100,000 to $300,000 by class, Kansas $100,000 to $1,000,000 by license type, and Texas and Utah $100,000 per occurrence with $300,000 total.

How much insurance does a Florida fire extinguisher license require?

At least $300,000 for Class A or Class D, $200,000 for Class B and $100,000 for Class C. Any class held with a Class D license needs at least $300,000 in total.

What insurance does Georgia require for a portable fire extinguisher license?

At least $1,000,000 covering bodily injury, property damage, products liability, completed operations and contractual liability, with the Insurance Commissioner listed as certificate holder.

What is the Texas fire extinguisher registration insurance requirement?

Texas Insurance Code §6001.154 requires general liability with products and completed operations coverage of at least $100,000 per occurrence and $300,000 aggregate per policy year.

Do individual extinguisher technicians need their own insurance?

The rules reviewed place the insurance requirement on the company license or registration. Individual technicians hold separate licenses or certificates, as Utah's system makes explicit.

What happens if a Florida extinguisher company's insurance lapses?

Fla. Stat. §633.304 requires immediate suspension of the license until proof of proper insurance is provided.

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Key Takeaways

• Extinguisher service insurance is a state fire marshal licensing condition, not only a contract requirement.
• Minimums range from $100,000 per occurrence (Texas, Utah, Florida Class C) to $1,000,000 (Georgia; Kansas RD).
• Florida and Kansas set insurance by license class; Florida's Class D (pre-engineered systems) sits in the $300,000 top tier.
• Products and completed operations coverage is named in Georgia, Florida, Kansas and Texas.
• Florida suspends immediately when proof of insurance is missing.

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Sources

• Georgia Comp. R. & Regs. 120-3-23-.04 — Requirements for Portable Fire Extinguisher License
• Florida Statutes §633.304 — Fire suppression equipment; license to install or maintain
• Kansas State Fire Marshal — Fire Extinguishers registration; K.A.R. 22-10-1 through 22-10-19
• Texas Insurance Code §6001.154 — Required Insurance Coverage for Registration Certificate
• 28 Texas Administrative Code §34.514 — Applications
• Utah State Fire Marshal — Fire Extinguishers licensing and certification

Last verified: 2026-09

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Important Disclaimer

This guide provides general information about insurance requirements based on publicly available sources as of the "Last verified" date above. It is not legal, insurance, or financial advice. Requirements, penalties, and statutes can change; individual circumstances vary. Always confirm current rules with your state's Department of Insurance or DMV, and consult a licensed insurance professional for advice specific to your situation.