
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Essential Business Insurance for Chimney Sweeps
Here are some of the key coverages chimney sweep professionals should consider:

General Liability Insurance
Protects against third-party bodily injury and property damage claims.

Professional Liability Insurance
Covers errors or omissions that may occur while providing services.

Business Owner’s Policy (BOP)
Bundles general liability and commercial property coverage to protect your business assets.
Usually more affordable to bundle these coverages than to purchase them separately.

Commercial Property Insurance
Covers damage to your business property, including tools, equipment, and vehicles.

Workers’ Compensation Insurance
Required in every US jurisdiction except Texas
Your state’s Workers’ Compensation Board can tell you the minimum required amount of coverage you and your company must carry
If you have employees, this coverage helps with medical expenses and lost wages from work-related injuries.

Commercial Auto Insurance
Provides liability coverage for work vehicles, from collisions to damages caused by workers or customers.
Required in almost every US state (except New Hampshire and Virginia).
California
Chimney Sweeps and Chimney Technicians in California must carry commercial general liability insurance (CGL) which protects against third-party injury and property damages.
Texas
Workers’ Compensation Insurance is not required in Texas for Chimney Sweep and Chimney Cleaners.
General Liability (and other coverages) may be required depending on the services offered and the counties they operate in (where clients chimneys are located).
Florida
Chimney Sweeps and Chimney Cleaners in Florida need to have workers’ compensation, general liability and property damage.
A Certificate of Authority from The Department of Financial Services is required for Chimney Sweeps to operate in the state of Florida.1

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