Why would a chimney sweep need commercial auto insurance? Your small business requires a vehicle to go to the customer's home or commercial business. A BOP is often a more affordable policy instead of purchasing each of these coverages separately. So if you're injured on the job or your office location is damaged, it can help cover lost profits or the cost of a temporary location. Business Owners PolicyĪ Business Owners Policy (BOP) usually includes general liability insurance, commercial property insurance, and business interruption insurance. It also benefits you as an employer by limiting the amount that you can be sued for if a worker is injured, dismembered, or dies on the job. Workers' comp steps in to cover the cost of their medical care and a portion of their lost wages. Workers' compensation protects employees if they have a work-related injury on the job or their health is impacted by illness.
Even if you're not required to have this coverage, it's a very good idea. It's legally required in almost every state. If your small business isn't a one-man show and employs other chimney sweeps, you may need to provide them with worker's compensation insurance.
Average price for chimney sweep professional#
Keep in mind, however, that general liability coverage excludes your company vehicles, employee injuries, professional mistakes, or punitive damages if you are sued. It's a basic form of insurance and every business-regardless of the industry-should have it. Commercial general liability insurance (CGL) will help protect you and your business from such claims. If you cause any damage to a customer's roof, chimney, or other property or if you cause bodily harm to anyone, you can be held liable for any damages-and you may even be sued. We've put together a list of a few insurance options that would fit your unique business. There are many different types of insurance coverages available to help customize your commercial insurance for your business. It is the best way to eliminate gaps in coverage. The Types of Insurance a Chimney Sweep NeedsĬhimney sweep insurance should be tailored to your specific business. To protect yourself and your clients, it's wise for chimney sweeps to make sure you have adequate commercial insurance coverage. The chimney could topple over when touched-the list of potential accidents and incidents goes on and on. A missed step could mean slipping and falling off the roof. A misplaced ladder can damage the exterior of the home. Whenever a chimney sweep climbs on a roof to clean or fix a chimney, they're exposing themselves and the home owner to potential liability. How? With the right business insurance policies. As a skilled trade professional, you must protect yourself and your clients from both physical harm and property damage. Chimney sweep companies take on these specialty services. Likewise, a chimney with cracks, missing bricks, or other issues can become a major issue. This leads to a build-up of creosote and other materials that can pose a serious threat to the home and its inhabitants. Many people still use a chimney in their home to provide warmth and comfort throughout the cooler months. It may seem like chimney cleaning and chimney repair businesses are old-world professions that aren't really relevant to today's world but that's simply not the case. The tarry, sticky, solid stuff is the enemy rather than powdery soot, and a single clean per year wouldn't prevent that from building up and blocking the flue.Commercial Insurance Coverage for Chimney Businesses A good vacuum cleaner helps (good old Henry!) and with our solid floor it's easy to clear up the little dust which results.
However there's nothing mysterious about cleaning a chimney, just push, twist and add the next section of stick. Not all chimneys may be as easy as ours with bends within reach, easily taken down and replaced. I would not clean anyone else's chimney as that might risk their insurance, but it fulfills the requirements of ours. The cost of the kit was covered within a year. We do a better job than the professional ever did. We take a date- and time-stamped photo of the stove and the angles on the landing and the brush sticking out of the chimney, should evidence be required. We bought a professional sweep's kit, expensive but very high quality, and now do it ourselves twice a year. Now we can disconnect the bends completely and ensure they are properly cleaned on the top landing before replacing them and resealing the joint.
Average price for chimney sweep pro#
We did have ours cleaned by a pro (80€ a visit) but one time he failed to clear solid soot from the top bends of the flue, just making a hole in it but not clearing it, and we discussed with the installer who modified the joint between the interior and exterior. Check with your insurers - if they insist you have the chimney cleaned twice a year you will not be insured for a chimney fire claim unless you can prove you did so.
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