Hood and Chimney Cleaner Business Insurance
A recent survey of people in the hood and chimney cleaner business found that more than half of those surveyed had started offering new services in the last five years. In addition, over one quarter had started adding more employees and company vehicles to the business. If you are experiencing this kind of growth within your own company in this industry, you need to ensure you have the right hood and chimney cleaner business insurance.
General Liability For Hood And Chimney Cleaners
One of the most important types of coverage is general liability. This is because it will protect you from having to pay out of pocket if your services happen to cause damage to any of the homes you work on. No matter how careful you are to simply clean kitchen hoods and chimneys, there is a possibility that you will accidentally damage the area you are cleaning. This could lead to lawsuits from customers seeking money from you so they can pay for any necessary repairs. The general liability coverage of your hood and chimney cleaner business insurance will protect you from having to sell your personal assets to afford any lawsuits that are brought against you.
Another good reason to make sure you have general liability coverage is so you can pay for the medical treatment of any customers who are harmed once you provide your services. Whether a customer trips over your cleaning equipment or slips on the debris you clean out of their hood or chimney, you could be held liable for the expense of their medical care. This is why you should have at least $1 million in general liability when you get hood and chimney cleaner business insurance.
The job of cleaning out chimneys and hoods calls for the use of certain equipment. In particular, you probably use a variety of brushes, rods, and scraping tools. If these tools become lost, broken, or stolen and you cannot afford to replace them immediately, you won’t be able to offer your services. Instead of missing out on business, just make sure your hood and chimney cleaner business insurance includes tools coverage so you can quickly buy replacement equipment.
Workers Comp Insurance For Hood And Chimney Cleaners
Most industries require businesses with employees to have workers comp, but it’s especially helpful in this field. Any time employees are expected to climb, get into small spaces, or work with chemicals, they need to be covered by workers comp. This type of coverage pays for any necessary medical treatment for injuries sustained while cleaning out hoods and chimneys. It also covers any wages lost if they have to take time off work to recover, so you can rest assured that your employees will be taken care of after any accidents at work.
If you have a particularly expensive claim, you will be glad to have excess liability. This coverage can pay for any expenses that exceed your policy’s limits. So if your general liability policy limit is $1 million and you are sued for $2 million, your excess liability coverage will pay the extra $1 million.