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Choose the Right Carrier that understand and provides the coverage and limits unique to the Chimney Sweep Industry:
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NCSG Insurance
Program
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Our Competitors
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The Carrier
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A.M. Best Carrier Rating of “A” or Better
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Yes
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Possible
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Quotes Issued Within 72 Hours
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Yes
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Highly Improbable
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National Claims Adjusting
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Yes
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Possibly
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NCSG Membership Discounts
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Yes
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No
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Liability Coverage’s/Limits
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Comprehensive General Liability
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Yes
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More than likely
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Soot & Creosote Hazardous Material Coverage
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Yes
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No – Specifically Excluded
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Contractor Professional Liability Coverage
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Yes
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Excluded, but Optional
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Installation Coverage Included
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Yes
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Excluded, but Optional
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Tool Coverage Included
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Yes
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Excluded, but Optional
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Umbrella Coverage Up To $15,000,000
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Yes
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Probably not
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Defense Cost are in Addition to Policy Limits
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Yes
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Probably
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$2,000,000 Occurrence/$2,000,000 Aggregate Limits Available
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Yes
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Highly Unlikely
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Property Coverage/Limits
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Blanket Property Limits Available
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Yes
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Probably
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Commercial Output Form (COP)
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Yes
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Possible, but not automatic
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Debri Removal – Up to $50,000
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Yes
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Possible, but not automatic
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Fraud & Deceit Coverage - $5,000
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Yes
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No, but Optional
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Off Premises Utility Service Interruption - $5,000
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Yes
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Possible
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Expediting Expense - $50,000
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Yes
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Unlikely
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Fire Department Service Charge - $25,000
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Yes
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Usually, with Lower Limits
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Ordinance of Law – Undamaged Parts of a Building
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Yes
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No, but Optional
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Ordinance of Law – Increased Cost of Repair/Demolition - $100,000
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Yes
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No, but Optional
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Personal Effects - $15,000
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Yes
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Usually, with Lower Limits
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Recharge of Fire Extinguishing Equipment - $50,000
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Yes
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Usually, with Lower Limits
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Rewards – Up to $10,000
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Yes
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Unlikely
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Sewer Back Up & Water Below the Surface - $25,000
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Yes
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Possible
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Accounts Receivable - $50,000
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Yes
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Probably as an option
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Electrical or Magnetic Disturbances of Computer – Included in Limit
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Yes
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Unlikely
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Fine Arts - $100,000
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Yes
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No, but Optional
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Property in Transit - $50,000
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Yes
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No, but Optional
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Property at Exhibitions - $50,000
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Yes
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Usually Lower Limits
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Off Premises Computers - $25,000
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Yes
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Optional
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Software Storage - $50,000
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Yes
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Optional
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Valuable Papers - $100,000
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Yes
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Probably
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Virus and Hacking - $25,000 P/Occurrence $50,000 Aggregate
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Yes
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Unlikely
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