Cover for your business, staff, tools and equipment
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The trend of installing attractive log burners in homes has helped to increase the demand for professional chimney sweeping services. It is important that home owners keep their chimney flues clear to ensure efficiency and above all, safety when lighting their stoves.
As a chimney sweep, if you are alleged to have caused damage to a customer’s property or any injury caused to the customer or member of the public, it could result in a substantial compensation claim and legal bills if you’re not insured. That’s where our chimney sweep insurance can help.Start your quote
Chimney sweep insurance is a range of different types of cover – led by public liability insurance – that offer protection for your business from compensation claims due to accidents and injury or due to accidental damage to property. The range of policies available offer cover for your tools and equipment, office contents, accidents, and your employees.
When you’re cleaning chimney flues, you’re potentially working at height, but undoubtedly on your knees and sometimes in confined spaces. As such, it’s important to be insured to cover personal accident and illness issues, whilst also helping to reduce the potential financial impact on your business if a compensation claim is made against you due to damage caused to a customer’s property.
Examples of why chimney sweeps need insurance include:
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Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
We are rated 4.7 out of 5 from 3,500+ reviews on Feefo.com.
At Caunce O’Hara we offer the opportunity to customise your chimney sweep insurance to meet your needs, including:
Property damage – You accidentally damage a customer’s property when carrying your equipment into the premises requiring the damage to be repaired.
Personal injury – After years of crawling and kneeling you require a knee operation resulting in you not being able to work. Or worse, you begin to suffer from serious breathing issues from sustained exposure to soot which require long-term medical treatment. Personal accident insurance offers cover for your loss of earning.
Theft or damage to your tools and trade materials – Whilst working at a customer’s premises, your van is broken into and your essential tools or materials are stolen.
Caunce O’Hara are experts for tradesman insurance. These are just a few of the reasons to choose us for your cover:
Quick online quotes
Complete our simple online quote form and get a quote in as little as 90 seconds.
Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.
Platinum rated customer service
Customer service has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.
Over 25 years’ experience
We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and contractors, which enables us to provide the cover you need.
The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our trades public liability insurance for chimney sweeps starts from £84.80* for £1million of annual cover, which we think represents real value for money.
* Price quoted is inclusive of Insurance Premium Tax at the current rate, and based on a chimney sweep with 1 employee, 5+ years trading and no claims in the last 3 years.
As well as public liability insurance, we offer a range of insurance covers for your individual circumstances, including:
The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.
|Insurance policy||Lowest excess||Highest excess|
|Public liability insurance||£250||£250|
|Employers’ liability insurance||£0||£0|
|Tools & trade materials cover (can only be purchased with the public liability policy)||£250||£250|
|Personal accident insurance||£0||£0|
|Professional indemnity insurance||£250||£500|
Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ, or affect the price.
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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch