Veracity Insurance Solutions (formerly Stratus Insurance Services) is an international insurance brokerage firm specializing in the placement of Programs, General Liability and Product Liability Insurance. With over 30 years of combined experience in the insurance industry, Veracity has access to both domestic and foreign markets, in-house underwriting authority, and several key wholesale brokerage markets.
Stratus developed the chimney sweep insurance program in response to the requests of the chimney sweep industry. Working closely with the National Chimney Sweep Guild (NCSG) and the Chimney Safety Institute of America (CSIA), Stratus was able to develop an insurance policy specific to the needs of the chimney sweeps including bodily injury, property damage, products, completed operations, personal injury, medical expense and professional liability. The professional liability insurance coverage enhancement addresses chimney inspections.
Primary limits of $1 million per occurrence are provided in the program. Excess limits up to $5 million are available upon request. "The amount of the NCSG member discount will vary from company to company, based on each company's exposures and experience,” said Mark McSweeney, NCSG Executive Director. “Many sweeps have found that the discount can considerably offset membership dues.”
McSweeney adds, “The success of this program is largely based on the combined strength of our industry. Coverage availability and rate stability will both be greatly enhanced by pooling our premiums together. This also significantly reduces the potential for policy cancellation as a result of a claim.” The Chimney Sweep Insurance Program was developed in response to the requests of the chimney sweep industry, in conjunction with the NCSG. The policy provides coverage for the needs specific to the chimney sweep industry, and Veracity Insurance is happy to work with chimney sweeps directly, or will work with local agents. The carrier for Iowa and Florida, Gemini Insurance Company, is rated “A” (Excellent) by A.M. Best & Co., a widely recognized insurance company rating organization. Berkley Assurance Company, the insurer for all other states, is rated an “A+” (Superior) by A.M. Best & Co. Chimney service professionals who are not members of the NCSG can also purchase liability insurance from Veracity Insurance; however, only members are eligible for discounted rates. Currently coverage is unavailable in the boroughs of New York City.
To obtain a quote for the general liability insurance program, follow this link to the online application or call Chelsea at (866) 395-1308.