How Much Is Business Insurance
for Chimney Sweeps?

A chimney cleaning business is exposed to all kinds of risk. Client property could be damaged, your commercial vehicle could get into an accident, or your chimney cleaning supplies could be stolen. Fortunately, the appropriate insurance policies can cover the cost of these losses.

But what about the cost of insurance? How much can you expect to pay for the added financial security? Though the sample insurance quotes below give you a rough estimate of how much a typical chimney cleaner pays for coverage, please keep in mind that your actual costs will vary depending on your own business's characteristics.

HOW MUCH IS
General Liability Insurance?

How Much Is General Liability Insurance?

If you damage a client's roof, chimney, or other property, General Liability Insurance can protect your chimney sweeping business from the cost of a lawsuit. Commercial Liability Insurance covers legal expenses when a third party sues your business over property damage, bodily injuries, and advertising injuries.

The typical chimney cleaning business pays $361 to $1,200 annually for General Liability Insurance.

Average Premiums, Deductibles and Limits on General Liability Insurance Policies for Chimney Sweeps
Name USD

Median policy premium:

$361 - $1,200

Median policy limit:

$2 million

Median policy deductible:

$1,000

To see how the cost of Errors and Omissions Insurance for chimney sweeps compares with other industries, visit Insureon's Professional Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a Business Owner's Policy?

How Much Is a Business Owner's Policy?

A Business Owner's Policy bundles General Liability and Commercial Property Insurance together for eligible businesses. While GL covers common lawsuits, Property Insurance covers your chimney cleaning company's physical property, including brushes, draft gauge testers, ladders, vacuums, and other cleaning supplies and equipment.

Because a good RoVac vacuum can cost thousands of dollars, you'll want to protect your investment with Property Insurance. This policy reimburses you when insured gear is lost or damaged because of fire, theft, windstorms, or vandalism.

BOPs generally start at $622 in annual premiums for chimney cleaning businesses.

Average Premiums, Deductibles and Limits on BOP Insurance Policies for Chimney Sweeps
Name USD

Median policy premium:

$622

Median policy limit:

$2 million

Median policy deductible:

Varies

HOW MUCH IS
Commercial Auto Insurance?

How Much Is Commercial Auto Insurance?

If your chimney cleaning business owns a vehicle, you need Commercial Auto Insurance. Because you must drive to client locations, your business is exposed every day to auto liability. One accident with an uninsured driver could strap you if you need to buy a new truck. Fortunately, this policy pays for repairs and legal costs associated with accidents in your business's automobile.

The cost of Commercial Auto Insurance for a chimney cleaning business typically starts at $1,990

Average Premiums, Deductibles and Limits on Commercial Auto Insurance Policies for Chimney Sweeps
Name USD

Median policy premium:

$1,990

Median policy limit:

Varies

Median policy deductible:

None (liability only)

HOW MUCH IS
Umbrella Insurance?

How Much Is Umbrella Insurance?

What happens if you're sued and the lawsuit expenses exceed your liability coverage? Chimney cleaners can use their Umbrella Insurance (also called Excess Liability Insurance) to address costs that exceed the limits of their General Liability, Workers' Comp, or Commercial Auto policies. So if a lawsuit costs $500,000 more than your GL policy covers, Umbrella Insurance can pick up the slack.

The annual cost of Umbrella Insurance generally starts at $530 for chimney cleaners.

Average Premiums, Deductibles and Limits on Umbrella Insurance Policies for Chimney Sweeps
Name USD

Median policy premium:

$530

Median policy limit:

$1 Million

Median policy deductible:

None

To see how the cost of Umbrella Insurance for chimney sweeps compares with other industries, visit Insureon's Umbrella Insurance Cost Analysis New browser window icon..

FREE QUOTES
on Chimney Cleaning Insurance

How to Get Free Quotes for Chimney Cleaning Insurance

For free (and accurate!) insurance quotes, submit an online insurance application.

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