It’s a worst case scenario for every chimney sweep business owner. Your client’s property catching on fire and a $4 million dollar lawsuit to deal with. If it can happen to Tennessee brothers, Mark and William Conley, owners of The Mad Hatter Air Duct Cleaning & Chimney Sweep Service, then it can certainly happen to you. As the story unfolds, you'll see that choosing a trusted chimney sweep insurance company is crucial for professional chimney sweeps.
The Lawsuit Against the Mad Hatters
The Conley brothers' chimney sweep company performed a typical cleaning and inspection service for a client who owned a lodge in the area. For the next six months, the lodge owners used the fireplace for more than 10 hours a day. Due to creosote buildup in the fireplace, a fire ignited in the lodge. The lodge was a complete loss in the fire, but luckily no one was hurt.
The plaintiffs blamed the Conley brothers for failure to provide them with proper chimney sweep and fireplace maintenance instructions. They argued that such guidance would have prevented the fire in the first place. The lodge owners sought $4 million dollars for the fire damage.
This unfortunate tragedy of a client’s property being utterly destroyed in a fire illustrates how important chimney sweep insurance is to business owners. Insurance is much more affordable compared to hundreds of thousands of dollars in defense costs your business may face.
Chimney Sweep Insurance Is Cheaper Than a Lawsuit
You could find yourself in a similar situation like the Conley brothers and face a costly lawsuit. With chimney sweep insurance, the coverage can take care of the legal costs and keep the financial strain from ruining your business. Some costs you could pay out of pocket are court filing and processing fees, hiring field experts, and covering travel expenses for your legal team. The proper coverage can keep you from breaking the bank.
Regardless of your experience in the industry, you can’t count yourself out of ever being sued. Chimney sweep insurance can also protect you from financial risks, such as property damage, stolen equipment, on-site injuries, and more. Keep your business afloat and protect your livelihood.
How would you handle a lawsuit? Let us know in the comments!
All policies have conditions, limitations, and exclusions. Please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.