Cleaning Insurance

Chimney Cleaning Insurance

Coverage built around the real exposures of cleaning operations.

What this coverage is intended to address

✓Third-party bodily injury (slip, fall) and property damage on customer premises
✓Allegations of damage to customer property during cleaning
✓Theft or dishonesty allegations against employees (with a janitorial / fidelity bond)

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most chimney cleaning operations consider one or more of these coverage types:

General Liability

Janitorial Bond / Fidelity

Workers Compensation

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A cleaner accidentally damages a customer's artwork while dusting. The general liability policy is intended to respond in the event of a covered claim.
A client alleges items went missing after a cleaning. A janitorial / fidelity bond is generally intended to address allegations of this nature.

Frequently asked questions

What's the difference between insurance and a janitorial bond?

General liability insurance is intended to respond to third-party injury and property damage claims. A janitorial bond — sometimes called a fidelity bond — is intended to address allegations of dishonesty or theft by employees while on a customer's premises.

Do I need workers comp?

Most states require workers comp once you have employees. Sole proprietors and independent contractors may be exempt, but rules vary by state.

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