How much does insurance cost for a chimney sweep business?
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I am starting a chimney sweep company and I was wondering what is an average cost to have insurance for the business (bonus points if you can say all of the types of insurance I might need) I know the standard answer is to say "there is no way of knowing since this all depends on a number of factors" but I literally have no clue what it would cost so ANY estimate or guess is appreciated. The business will be in Maryland and have just 1 employee with revenue I am guessing would be about 100,000 a year if that helps.
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Answer:
You'll need to talk to a local agent. With one employee, you'll need workers compensation insurance. Assuming a clean driving record and insurance on your van, here's my estimate of a breakdown, not having ANY idea what exact coverages you want: 1. General liability - $2500 2. Contractors equipment (assuming under $25,000 in tools and equipment) $1,000 3. Commercial auto - $2500 4. Workers compensation - $20,000 payroll - $1500 And if you need an umbrella on top of that - $1,000 more, per million of coverage. All this is assuming RESIDENTIAL chimney sweeping, NOT MORE than three stories up. Prices will vary wildly by region, actual payrolls and gross receipts, driving records, coverages selected, etc.
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