Chimney Cleaners & Chimney Repair Insurance
Coverage tailored for chimney sweeps, chimney repair & relining crews, and masonry chimney specialists. Get contract‑compliant certificates for property managers and GC jobs. No instant quote—contact us for a custom package.
Why this class needs insurance
Chimney work combines roof/height exposure, hot work (liners, caps, crowns), masonry, and indoor soot/creosote risk. We build policies that satisfy contract requirements and protect against third‑party injury/property damage, employee injuries, tool theft, and auto exposures.
- Common GL limits: $1M each occurrence / $2M–$4M aggregate (higher via umbrella).
- Certificates with Additional Insured, Primary & Noncontributory, and Waiver of Subrogation available when supported.
- Height, roof pitch, and torch/hot‑work usage affect eligibility and pricing.
Coverages & Limits
General Liability (GL)
| Each Occurrence | $1,000,000 typical (higher available) |
|---|---|
| General Aggregate | $2,000,000–$4,000,000 typical |
| Products/Completed Ops | Included — important for finished masonry/liners |
| Personal & Advertising Injury | Included |
| Damage to Premises Rented to You | Included |
GL addresses third‑party injury/property damage. It does not cover injuries to your workers (see Workers' Comp) or your tools (see Inland Marine).
Workers' Compensation
- Covers employee injuries; may be required even for small crews.
- Owner inclusion/exclusion options vary by state.
- Audit considerations for 1099 subs doing roof/masonry work.
Tools & Equipment (Inland Marine)
- Portable vacs, rods/brushes, ladders, scaffolding, cameras, relining gear.
- On job sites, in transit, and at your shop (subject to security warranties).
- Ask about Rented From Others and Employee Tools sub‑limits.
Commercial Auto / HNOA
- Company vans & trucks; liability and physical damage.
- Hired & Non‑Owned Auto for errands in personal/rented vehicles.
Umbrella / Excess
- Higher limits over GL/Auto/Employers’ Liability.
- May be required by GCs, property managers, or municipalities.
Certificates & Client Requirements
- Provide exact Additional Insured wording for property managers and GCs.
- Share scope (cleaning vs. repair/relining), max stories, and hot‑work usage.
- Keep before/after photos, work orders, and any hot‑work permits.
Underwriting & Safety Checklist
- Max building height, roof pitch, tie‑off/fall protection procedures.
- Hot‑work controls: fire watch, extinguishers, spark containment, permits where required.
- Creosote/soot handling, respirators/PPE, interior protection protocols.
- Employee count, use of subs, training records, and prior claims.
- Tool storage security (locks, lighting, cameras); vehicle VINs for Auto.
Frequently Asked Questions
Does GL cover damage to the roof or chimney I’m working on?
GL can exclude damage to the specific part you are working on (that particular part exclusions). We’ll review forms and suggest endorsements where available.
Are relining and hot‑work eligible?
Often yes, with proper controls and height limits. Tell us about methods, materials, and fire‑watch procedures.
Can you add property managers and GCs as Additional Insureds?
Yes—when supported by the carrier. We can match AI/PNC/Waiver wording to contract requirements.
Is my equipment covered under GL?
No. Consider Tools & Equipment (Inland Marine) to cover your tools and gear against theft and other causes of loss.
Summaries above are for marketing only. Final terms depend on policy forms and underwriting.
Contact Form
No instant quote for this class. Tell us about your operation and we’ll send options.