Do you install or service fire extinguishers? Perhaps you fit and maintain fire and smoke alarms? Despite your finest efforts these devices may not always work, putting property and lives at risk. That's why you need "failure to perform" or "efficacy" insurance. Claims can quickly run into the hundreds of thousands, even millions, placing your own livelihood in peril. That's why professional bodies such as the BFC, UK Fire Association and BAFE recommend efficacy is taken up. Act now to protect yourself and your company!