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Illustrated country road with a brick house, a ladder with chimney brushes and a purple bucket hanging near the top leaning against its roof on one side, and a stone cottage beside a white van with its back doors open on a vacuum and rods on the other

Chimney sweep insurance

sweep it.
reline it.
rebuild it.

Liability, comp, vans and tools for chimney pros adding relining, masonry and fireplace installs to every sweep.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

Soot on the carpet, a fall from the roof, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with soot spilling from the living room fireplace across the carpet and an armchair, a purple chimney brush on the floor, a ladder and rods fallen across the roof by the chimney, and a white van at the curb with empty shelves, an open equipment case on the sidewalk and a bumper pushed into a broken fence post

general liability

Soot gets past the drop cloths

Cleaning and damage to the customer’s home.

workers’ comp

A tech falls from the roof

Medical bills and lost wages.

commercial auto

The van backs into a fence

Damage you cause on the road.

tools and equipment

The inspection camera gets stolen from the van

Tools and gear, on the job or on the road.

general liability

Soot gets past the drop cloths

Cleaning and damage to the customer’s home.

Examples. Your policy sets the details.

the work changes
what we check.

Sweeps, relines and fireplace installs carry different risks. Pick yours.

Sweeping and inspection

Careful work, inside homes.

We look at your residential and commercial mix, how soot is contained around the hearth, and how cameras, vacuums and rods are covered on the route.

we check first: Soot and the customer’s home. Illustrated brick fireplace on a drop cloth with a shop vacuum, a bundle of chimney rods, an inspection camera on a tripod and a purple chimney brush

chimney sweep businesses
usually carry.

Put them on one program and we shop them together at every renewal.

soot on the carpet?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Hearthside Chimney Co.

your options

$8,400a year, 4 policies

3 options, same coverage

Option A$8,400

Option B$9,300

Option C$10,200

3 technicians2 vansDenver, COClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
chimney sweeps ask for.

The coverage behind a chimney call.

growing by
acquisition?

Buying another chimney sweep shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about chimney sweep insurance.

What insurance does a chimney sweep business need?
Most chimney and fireplace service companies carry general liability, workers’ comp once they have employees, commercial auto for the vans, and tools coverage for cameras and vacuums. Homeowners and property managers ask for proof of liability. Umbrella, pollution and installation coverage can come up as the work moves into repair and installs.
Does general liability cover soot damage in a customer’s home?
It can cover damage to someone else’s property caused by your work, like soot that escapes the containment and stains a carpet or furniture. Cleanup, the customer’s belongings and your finished work can be treated differently, and exclusions matter. The policy wording decides what responds, so it’s worth reading closely.
What affects the price of chimney sweep insurance?
Mainly your service mix, roof access and working height, masonry, relining, fireplace or appliance work and the fuel types you service, plus payroll, vans, equipment, territory, limits, deductibles and claims history. We read the exclusions alongside the premium, so you compare more than the monthly payment.
Does fireplace installation or chimney repair change the insurance review?
It can. Sweeping and inspection carry different hazards from masonry, relining, waterproofing, gas appliance work, fireplace installation or venting changes. Carriers want the exact operations, training, subcontracting and completed work responsibility described accurately, so tell your broker about the repair and install jobs, not only the sweeps.
Do seasonal hires need workers’ comp?
Usually, yes. Workers’ comp follows state rules, and most states count seasonal and part‑time technicians as employees once they’re on the payroll. A busy fall season can change who is covered and how payroll is reported at audit. The rules vary by state, so check how your crew is set up before the rush.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA