Chimney & Hearth Professionals

Protecting Your Business

At SouthPoint, it is our job to know your industry and protect your business. We have developed intimate relationships with standard carriers to write this unique and hard to place risk. Being able to place your Chimney & Hearth business with a standard carrier, not a broker, allows us to eliminate costly taxes and fees associated with doing business on the broker side. It also allows for a more comprehensive policy that does not exclude integral parts of your operation.

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Meeting Your Needs

Just as in your business, we take pride in doing things the right way. You can shave cost by cutting corners and eliminating key pieces needed for a job well done. We do not sell on price, we sell on protection. We have studied the industry and many of its key players to find the true scope of work for day to day operations. We strive to give each business exactly what it needs. No more. No less. Be sure that your agent has comprehensive knowledge in your industry to ensure protection of what you have built.

Where Are Your Gaps in Coverage?

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Typical Gaps in Policies

A typical General Liability policy will leave severe coverage gaps in Chimney and Hearth Professional’s insurance policies. You may be thinking it could never happen to me, but these coverages are sold separately for a reason. Simple tasks such as:

Simple Tasks

  • Tuckpointing
  • Waterproofing
  • Inspections
  • Cleanings
  • Dryer vent cleanings
  • Cap, insert, liner installs

Coverages to Close the Gap

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Without a tailored policy including professional/errors and omissions and pollution lines of coverage, one claim could leave a business owner paying a costly claim out of pocket.

Below are a list of the different coverages every chimney and hearth professional should carry:

Coverages

  • Commercial Auto
  • Cyber
  • General Liability
  • Inland Marine
  • Pollution
  • Professional/Errors and Omissions
  • Property
  • Employment Practices Liability
  • Property
Cam Arnold

Cam Arnold

Vice President, Sales

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