Insurance for Snow Plowing Services

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Better, Regardless of Your Size

  • Just let it snow; with CoverWallet you'll have the best business insurance

  • Every business is a snowflake; get yours covered today

  • We'll keep you covered while you uncover the roads after the storm

  • Plow your way to the best insurance with same-day quotes

Coverage Plans for All Your Needs

Businesses in the snow plowing industry work to remove snow. During the off-season, professionals may work in landscaping. If the annual revenue resulting from snow plowing is less than 40%, you can get more affordable insurance plans than illustrated.

BASIC

Essential coverage for your customers


General Liability

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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

Protection to operate as snow plow service


General Liability + Commercial Auto

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All Basic plan benefits plus:

  • Coverage against claims from 3rd party bodily injury and property damage
  • Physical damage protection with comprehensive and collision coverage

PRO

Get protected against employment-related issues


General Liability + Commercial Auto +Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
  • Statutory Liability limits

*plus Workers Compensation

CUSTOM

When you have specific requirements


Including Inland Marine, Disability Insurance etc.

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We will take care of the switching hassle.

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We've Got You Covered with Coverage You Need

While it’s easy to assume that seasonal work lacks risk, the snow and ice you work on can cause danger for you, your employees, local property and more. With all the travel needed to get your trucks and plows between jobs there is risk of accidents, loss of equipment and injury to employees and third-party individuals. Cover all these potential issues with us.

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Frequently Asked Questions

I have a crew that helps me plow snow, but they use their own trucks and plows. Do I need to insure them?

While you are unable to insure their direct vehicle you want to make sure your business is covered for liability purposes. You may need to carry a Hired and Non-Owned insurance for that. Hired and Non-owned auto insurance cover your business from the liability associated with your employee's at-fault accidents when in their own vehicles. Keep in mind it will not pay for their personal liability or physical damage to their car. This is for your liability only, because you will be brought into a lawsuit if your employee is at fault and is working while causing an accident. Also, if you have employees plowing snow for you, then you need to make sure that you have Workers' Compensation.

How much does Snow Plow insurance cost?

While every business may have different exposures causing different prices, there is a pretty common amount that you can use for budgeting purposes. Keep in mind that things like claim history, your experience in the industry, whether this is your main operation or just an incidental part of doing business, number of employees, type of truck and plow used, and how much coverage you need are all things that will impact the pricing of all the insurance policies. Also, keep in mind that different insurance policies are rated differently and use different factors. For example, a Workers Compensation policy will be rated on type of job and payroll, where a General Liability policy may be rated on either the number of employees or annual sales. That being said, a typical General Liability insurance policy for a snow plow business can cost around $400 to $1000 per year. Commercial Auto insurance is around $900 per year. And a Business Owners Policy is about $400 annually. Be sure to get some comparative quotes.

I have General Liability coverage for my business. Does that cover me for snow/ice-related claims?

The answer to this question is not black and white and really it depends. Some General Liability insurance policies will cover this exposure, however, you need to double-check to make sure. It is more likely that it does not, and your policy will have to be endorsed to cover this exposure. Often, snow plowing is an incidental risk so many insurance agents do not ask if this is something you do. If it is, then you need to structure your General Liability insurance policy to reflect this. Unless your insurance policy mainly states that it covers snow-related claims then you need another policy for that.

Will my Commercial Auto insurance cover me when plowing snow?

If you already have Commercial Auto insurance for your trucks, you may be covered at least for physical damage and auto liability. If you haven't included the plow in your policy you need to inform your insurance agent. Keep in mind that not all companies will provide coverage for a plow under Commercial Auto, you may need an Inland Marine insurance policy for that and any other equipment. However, Commercial Auto insurance does not protect you against General Liability claims which can be a huge source of financial hardships if you are sued for bodily injury and property damage. Whether you sideswipe a car while plowing snow or miss laying down salt on the sidewalk of one of your customers and that causes someone to slip and fall, you will not find this coverage on Commercial Auto.

Why do snow plowers need insurance?

If you operate a snowplow, you need insurance to protect not only your vehicles but your business as well. Moreover, the insurance is often required by law before you can start plowing snow for a living. The risks involved with a snow plowing business can be high, but luckily there is an insurance policy that can answer almost all of the risks. Of course, not every single situation can be insured, but a majority of them can. Common claims that arise out of snow plowing operations include damaging property while plowing snow, like parked cars, auto accidents since the plow adds extra size and weight to your truck, and employee injury. All of these common claim scenarios can be covered by insurance. It is important that you treat insurance as an investment as your business and not a burden, as it can often keep your business from going bankrupt.

What risks could snow plowers face?

It is important that you understand all of the risks involved with your business, but here are some we see often. A common risk includes residents or visitors suffering from snow or ice-related injuries. You and your employees are only human and even though you do your jobs well, mistakes can happen. If you miss plowing a certain area, or miss putting salt down and someone is injured because of it, your business could be held liable. Your business can damage property when a plow skids on ice and damages a vehicle or property. Not to mention a person. If you are cruising along and all of a sudden someone runs into the crosswalk, you might not have enough time to stop. Injuries could happen to you or the passengers when plowing. Hazards like potholes, ditches or curbs could risk damaging the equipment. Your employees could become injured or ill while on the job. A common claim is a cut hand from someone trying to remove or put on a snowplow.

How much does the price of General Liability insurance vary by state?

General Liability insurance, as with all insurance, can vary in price based on several factors. How many employees you have, your annual receipts, and who you are doing business with are all factors. Since each state has its own insurance department and controls its owns rates, General Liability insurance depends on the state your business is in. Some states have lower minimums while others are high. For instance, the minimum coverage for New Jersey is $5,000 while in New York is $15,000. Please consult your state office for the minimum in your state. If you're confused, consult with a CoverWallet advisor.

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