Your business insurance may contain conditions about maintaining fire alarms or other protection systems. Read the policy wording and ask your insurer or broker what inspections, servicing and records they require for your premises.
Missing a service does not automatically void every policy or mean every claim will be refused. The outcome depends on the terms, the facts of the loss and applicable law. The Insurance Act 2015 can limit an insurer’s ability to rely on breaches of certain risk-reduction terms. Get advice on your own policy rather than assuming a particular outcome.
Keep service reports, routine test records and details of faults and repairs together. If maintenance is overdue or a fault remains unresolved, arrange competent assistance and ask your insurer or broker whether you need to notify them.
Spicy Protect can discuss fire alarm servicing and fire risk assessments for your premises. Call 0161 339 7072 or request a quote.
Source: Insurance Act 2015, section 11 — https://www.legislation.gov.uk/ukpga/2015/4/section/11