Chimney Sweep Insurance Washington. Chimney sweeps inspect, clean and repair residential and commercial chimneys. The traditional method of cleaning chimneys involves a two-step process in which the sweep brushes from the top of the chimney outside the building, and then finishes by sweeping and cleaning the fire box from inside the premises.
A newer method involves the sweep working from the inside using a vacuum and brushes. WA chimney sweeps offer chimney repair services such as masonry work, tuck pointing, installation of chimney caps, and similar chimney-related services.
When most people picture a chimney sweep, images of Mary Poppins' friend Bert (played by Dick Van Dyke) dancing along rooftops and singing "Chim Chim Cheree" come to mind. In real life, chimney sweeps don't sing and dance, but rather, they provide an invaluable service for the clients that they serve: they clean out and inspect chimneys to ensure that they are working properly and safely.
There are a lot of risks that are associated with operating a chimney sweep company. To protect your business, your clients, your employees, and your personal assets, carrying the right type of chimney sweep insurance Washington coverage is essential.
Chimney sweep insurance Washington protects your business from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.
Working as a chimney sweep involves climbing ladders, getting into cramped quarters, and inspecting the structural elements of a chimney, among other things; who knows, you might even sing and dance a little (but probably not as elaborately as Dick Van Dyke) while you're working. Given the nature of your line of work, and the fact that you are providing specific services, working on someone else's property, and that you likely employ a staff, there are a variety of risks that are associated with operating a chimney sweep.
Despite your best efforts to make sure that you are offering the best services and providing your employees with a safe workplace, mishaps can happen. An employee could slip off of a ladder and suffer a serious injury, or a client could file a lawsuit against you, stating that you damaged their property while cleaning a chimney. In these types of situations, you will be held liable for any injuries or property damages.
Should someone take legal action, you would also be responsible for covering the cost of your legal defense fees. These types of expenses can be exorbitant and could potentially put you in financial ruin; ultimately, you could end up going bankrupt trying to pay for damages, medical bills, and legal fees. With the right insurance in place, however, you can avoid financial turmoil.
Why? - Because your chimney sweep insurance Washington policy would help to cover the costs of the liabilities that are related to your business operations.
The type of insurance a chimney sweep business should carry depends on the specifics of your operations. Some of the factors that will affect the coverage you should carry include where you are located, the size of your operation, the number of people you employ, and the services you offer; however, there are certain chimney sweep insurance Washington policies that you should have in place, regardless of the specificities of your business. These policies include:
These are just some of the insurance policies that WA chimney sweeps should have in place. If you have employees workers compensation is a must.
Premises liability exposure is slight at the chimney sweep's premises due to lack of public access, but moderate away from the premises due to hazards at the job site on clients' premises. Equipment used for chimney cleaning may present an attractive nuisance to children. Property damage can result from soot and creosote entering the house or commercial building.
Completed operations bodily injury claims from fire or carbon monoxide poisoning may occur if the cleaning results in a blocked chimney instead of a clean one.
Workers compensation exposures are moderate due to the soot and creosote dust that may be inhaled by the sweep. Long-handled equipment may result in sprains from standing in awkward positions. Wildlife can nest in chimneys and attack, resulting in bites or scratches. If the sweep works outside from the top of the chimney, a fall can result in injury or death. Falling objects may strike sweeps cleaning the chimney from the inside.
Property exposures at the chimney sweep's premises are generally limited to an office and storage of chimney-cleaning equipment, supplies, and related stock including chimney caps and masonry products.
Crime exposures are primarily from employee dishonesty. Background checks, including criminal history, should be performed on all employees handling money. Since many sweeps are smaller operations, checks and cash are normally collected by the employee at the time of service.
Inland marine exposures include accounts receivable if the chimney sweep offers credit to customers, contractors' equipment, and valuable papers and records for customers' and suppliers' information. The brushes, vacuums, ladders and other tools taken to job sites are neither attractive from a theft standpoint nor easily damaged. Backup copies of all data should be stored off premises.
Business auto exposure generally consists of travel to and from job sites with crew, equipment, and supplies. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.
To make sure that your business is properly protected, speak to an experienced commercial insurance broker to find out exactly what type of chimney sweep insurance Washington coverage you need and how much coverage you should have.
For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.
If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.
Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2019 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2019, with a forecasted rate of 4.7 percent.
Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.
The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.
While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may arise.
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Request a free Chimney Sweep Insurance Washington quote in Aberdeen, Anacortes, Arlington, Auburn, Bainbridge Island, Battle Ground, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Burien, Burlington, Camas, Centralia, Chehalis, Cheney, Clarkston, College Place, Covington, Des Moines, DuPont, East Wenatchee, Edgewood, Edmonds, Ellensburg, Enumclaw, Ephrata, Everett, Federal Way, Ferndale, Fife, Gig Harbor, Grandview, Hoquiam, Issaquah, Kelso, Kenmore, Kennewick, Kent, Kirkland, Lacey, Lake Forest Park, Lake Stevens, Lakewood, Liberty Lake, Longview, Lynden, Lynnwood, Maple Valley, Marysville, Mercer Island, Mill Creek, Monroe, Moses Lake, Mount Vernon, Mountlake Terrace, Mukilteo, Newcastle, Oak Harbor, Olympia, Othello, Pasco, Port Angeles, Port Orchard, Port Townsend, Poulsbo, Pullman, Puyallup, Redmond, Renton, Richland, Sammamish, SeaTac, Seattle, Sedro-Woolley, Selah, Shelton, Shoreline, Snohomish, Snoqualmie, Spokane Valley, Spokane, Sumner, Sunnyside, Tacoma, Toppenish, Tukwila, Tumwater, University Place, Vancouver, Walla Walla, Washougal, Wenatchee, West Richland, Woodinville, Yakima and all other cities in WA - The Evergreen State. Call us (206) 801-0021.