Chimney sweeps inspect, clean, and repair residential and commercial chimneys. Chimney sweeping involves a detailed and sometimes dangerous process that must be completed carefully to avoid causing damage to the home or building, and to avoid injuring bystanders or workers.
If something goes wrong, the consequences can be devastating. That’s why you needchimney sweep insurance to help you mitigate your risks and protect your business.
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A local independent insurance agentcan help you assess your risks and find the right business insurance policies that are tailored to your industry.
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Chimney sweeping involves climbing ladders and scaffolding, cramped spaces, and inspecting the structural elements of a chimney, among other dangerous activities, while you perform your very specialized work to the satisfaction of your clients. Meanwhile, you’re working on someone else’s property, exposing not only your business and your employees to dangers, but your clients too.
Chimney sweeper insurance protects your business from risk exposures. If, for example, you cause damage to a client's property, it could cost you thousands of dollars in damages.If someone sues you after you cause an injury or property damage, you’d be responsible for covering the cost of any medical expenses or property repairs. What’s more, you’d have to pay for your own legal fees. A lawsuit could financially devastate your business and even result in bankruptcy.
In addition, you face property losses (losses to tools, equipment, and other valuable commercial property) from a variety of sources, including fire, theft, severe weather, and vandalism.
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When you work with an experienced independent insurance agent, he or she can find insurance companies who specialize in covering chimney sweep businesses. You likely need a variety of property and liability insurance policies in order to be sure that you are protected.
Chimney sweepersmust carry commercial general liability insurance. It protects you against any third-party injuries or property damage that may occur. If, for example, a vendor slips and falls while delivering supplies to your business, your insurance will cover the cost of any related medical care, as well as any legal costs that may arise if the person sues you.
You face a variety of other liability risks as well. The equipment you use to clean chimneys may present an attractive nuisance to children, leaving you susceptible to lawsuits if injuries occur. And the process of cleaning a chimney can result in property damage from soot and creosote entering the residence or building, causing damage and even an illness risk.
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You also have “completed operations” exposures that are covered by your CGL policy. This includes things like fire or carbon monoxide poisoning that occurs if your cleaning results in a blocked chimney.
CGL insurance protects you from having to pay out of pocket for damages or legal fees if your services happen to cause damage to any of the homes or businesses you work on. It offers broad protection for a wide variety of negligence claims and lawsuits.
You likely have owned or leased office space or warehouse space where you perform administrative tasks and store all of your equipment, supplies, and stock of chimney caps and masonry supplies. Your physical space likely serves as a home base for your employees. It may be filled with valuable furniture, computer equipment, and other commercial property that is susceptible to theft, vandalism, fires, storms, and certain other causes of loss.
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Commercial property insurance: This protects buildings and their contents, including computers, office equipment, furniture, and all of your commercial property (whether it is owned or leased) if it is damaged by fire, smoke, theft, vandalism, or some other covered peril.If, for example, someone vandalizes the outside of your building and breaks in and steals tools and equipment, your commercial property policy will help to pay for the repairs to your building as well as the cost of replacing and stolen or damaged property.
If you sustain damage that forces you to temporarily close or relocate, business interruption coverage will reimburse you for ongoing expenses (rent, salaries, etc.) and lost income during the closure or relocation period.
You may also need additional property coverage for your business. Talk to your independent insurance agent about your need for the following.
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Your work crews travel from jobsite to jobsite in commercial vehicles owned by your business. Your commercial vehicles must be covered with commercial auto insurance. If one of your drivers causes an accident, it covers bodily injury and property damage that the driver is at fault for.
Commercial vehicle insurance for chimney sweeps covers your cars, trucks, and any other vehicles you use for business. In addition to liability coverage, it provides collision, comprehensive, and uninsured motorist coverage.
Your commercial auto insurance can be tailored to your needs, and your coverage and premiums will be based on how your vehicles are used and who drives them. Each vehicle owned by your business or used for business purposes can be listed separately on your business auto policy, with corresponding coverage for each vehicle that can differ depending on the vehicle’s characteristics and the coverage it requires.
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If you have employees who drive personal vehicles for business purposes, talk to your insurance agent about your need for non-owned auto liability insurance.
Accidents involving your workers can happen at any time. They work on scaffolding and ladders and inhale dust, soot, and creosote, and they use a variety of tools and equipment in awkward, unsafe positions. They can also encounter wildlife nesting in chimneys, insect bites, and a variety of other work-related injuries.
If one of your employees gets injured while on the job, you’re responsible for paying for his or her medical expenses. What’s more, he or she may not be able to work until fully recovered, leaving the employee without his or her income.
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Workers’ compensation insurance protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for an injured worker while he or she is unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.
Each state has workers’ compensation insurance laws. Most states require nearly every business that has employees to provide this coverage. Your state’s workers’ compensation statutes determine the amount of benefits injured workers are entitled to, which impairments or injuries are covered, how those impairments will be evaluated, and how medical care will be delivered.
Your costs for chimney sweep insurance will vary depending on the unique characteristics of your business, such as the location, the number of employees, the value of your commercial property (building plus contents), whether or not you own your building, and how many vans or commercial vehicles you own and operate.
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Chimney sweep insurance could cost several thousand dollars per year or more. The amount of coverage you need and the deductibles you choose also impact your insurance costs.
An independent insurance agent can work with you one-on-one to determine the types and amounts of coverage you need. Your agent can get quotes from multiple insurance companies so you can evaluate the cost and coverage options and make the best choice.
Our agents simplify the search process for finding the right chimney sweep insurance. They’ll walk you through the handpicked policy options and explain the details and options.
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Most importantly, they’ll be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Online quotes can be tempting. They are fast and easy to get — but are they accurate? And are you getting quotes for the right coverage? For business owners, choosing speed over accuracy can cost you.
Online quotes can’t and don’t see the whole picture. They can omit important coverage that will leave you devastated if something unexpected happens. And they can leave out cost-saving opportunities that an agent can help you take advantage of.
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Instead of getting an online quote, find a independent insurance agent now, and get a one-on-one consultation and affordable options for the best coverage for your unique needs.Chimney sweep businesses should have a way to make up for financial losses that arise from damage to their property, as well as losses resulting from compensation claims filed by customers or other individuals who are harmed by the business. The best way to do that is with insurance.
For example, neighbors may be affected by dust blowing away from sooty equipment. This may cause medical issues with those affected and prompt a lawsuit. Luckily, insurance to cover such a situation is readily available.
While general liability insurance can cover a wide range of risks, it may not be sufficient to cover all the potential risks that your business may face. In order to ensure comprehensive coverage, it may be necessary to obtain specialized policies that are specifically designed to address these unique risks. These specialized policies may offer additional protection, such as:
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You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.
While working at a client’s home, an employee damages a chimney. The client sues because that damage requires them
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