The cost of "we'll get to it"
Fire equipment that hasn't been tested, tagged, or serviced is not just a code violation — it's a financial, legal, and operational exposure that compounds the day the inspection lapses. Most owners only learn the real number after a claim, an order, or an incident. This page lays out the four costs in plain language.
Provincial Fines
$1.5MMaximum corporate fine, subsequent offence
Statutory penalties under the FPPA
Under Ontario's Fire Protection and Prevention Act, 1997 — as amended in 2019 — corporations face fines up to $500,000 on a first conviction and up to $1.5 million for subsequent offences. Individuals face up to $50,000 on a first offence ($100,000 on subsequent), or imprisonment up to one year, or both. Directors or officers who knowingly permit non-compliance can be charged personally.
Source: FPPA, 1997 · 2019 amendments
Continuing Default
$20,000Per day, while non-compliance continues
Daily fines on inspection orders
When a Fire Marshal or fire chief issues an order to remedy a violation, every day the order remains unaddressed is treated as a separate offence. Fines accumulate daily until the deficiency is corrected and re-inspected — and paying the fine does not relieve the obligation to comply.
Source: FPPA Section 30
Insurance Exposure
NegligenceThe verdict insurers reach in writing
How fire claims actually get denied
Ontario commercial property policies require buildings to be maintained in a reasonable state of upkeep. When a fire claim is filed, insurers review maintenance records — and fires deemed preventable through routine inspection, lapsed equipment service, or undocumented testing can be cited as negligence to reduce, delay, or deny the claim. Documented inspections are the proof you took reasonable precautions.
Source: Ontario commercial property insurance practice
Operational Risk
ClosureCourt order, Fire Marshal application
Order to close premises
Where non-compliance presents an imminent risk, the Fire Marshal, an assistant, or the local fire chief may apply for a court order to close the premises until remediation is complete. Reopening requires re-inspection and proof of correction — and in the interim, business operations stop entirely.
Source: FPPA Section 31