Public Liability Insurance for Chimney Sweeps

Why Chimney Sweeps need liability insurance

A build up of ash and creosote in a chimney is a fire hazard and may cause fumes to enter your customers property, you are there with your rod and brush to clean out all of the soot that builds up through the burning of all different fuels. In the chimney cleaning trade, there are many risks that you may encounter. Simply leaving your vacuum on the ground could be a trip hazard to your customer that is walking by. This is why public liability insurance is important.

It provides much needed protection for you from the scenario of a sudden incident taking place that chimney sweeps may be liable for, which could result in hard financial times for you and your company. Public liability insurance for chimney sweeps is not compulsory but essential to ensure your business’ survival.

Common types of claims

• You forget your sheets and drop soot onto a customers white, fabric sofa which now needs replacing
• A bird’s nest blockage is not completely removed, causing a fire
• You leave your flue liner brush on the ground and a child trips, breaking their arm

This cover is optional but Ashburnham recommend that you certainly consider having it. Furthermore, if you have valuable equipment, you may wish to consider tools cover to provide compensation in the event of them being stolen.

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