Doing the cleaning of your chimneys are need safety precaution measures, expertise, proper equipment and a right service provider. These services improve the efficiency and can help eliminate the unwanted odor coming from your chimneys. Because of health risk, it is very crucial that your chimney is well-maintained and should be inspected at least once a year.
Before finally hiring a chimney cleaning service, you should have picked the right one for you, including the proper function they can provide for you. Checking their state license, satisfactory rates and reviews, background check and articles about them can be of great help for you until you conclude a final decision of hiring them at once.
But before getting into the hiring process, they should also hold a protection which is the insurance. Hiring a service without proper insurance can be a dangerous move for you. Although nothing in law demands that you engage the one with coverage, it can be of great help when in times of trouble.
What type of insurance does chimney cleaning service hold?
Any insurance is critical to both the service provider and the client themselves as a means of protection against unexpected errors during the working period. No easy job never needs any insurance. So in choosing the right service for you, including the insurance criteria as one of the best asset a company should have.
Below is the top insurance a chimney cleaning services should hold.
Liability insurance. This type of insurance being the most satisfied type of any business insurance. If in case there is damage done to your client’s roof, chimney or another related part of the stack, this insurance can cover it all rather than spending a high cost being sued.
Workers compensation insurance. The worker's compensation insurance covers the protection of any chimney sweeper that has been an accident during the working hours. This insurance also covers the medical and lost wage compensation if the sweeper is in a hospital or is not capable of doing the job for the meantime. The cleaners are exposed to any risk of poisonous gas in chimneys and other air pollutants during the cleaning period. That is why the state recommends that any cleaners should have workers compensation insurance.
Bond insurance. A protection and guarantee that the project is finished. This is the insurance of three parties; the service company who provides the cleaning service, the client who ask for the service and the insurance provider or agency. If in case that there is a hindrance in completing the service by any parties, the other side should pay the surety bond being agreed upon discussion with the insurance provider.
Above is the list of the type of insurance a chimney cleaning service provider should have before finally hiring them and signing the contract with them. Make sure that this insurance covers the right of any parties to protect from any unexpected commotions of life. Be acutely aware of it.