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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.
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
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.
General Liability is an insurance that covers the liabilities involved in the business. This snow plow insurance can cover medical expenses and attorney fees resulting from bodily injuries and property damage when your snow plow business is legally responsible.
Business Owners Policy (BOP) is a combination of various insurance policies that are fit for small to mid-sized businesses. This business insurance simplifies the coverage by providing property and liability protection under one policy. Get huge savings compared to buying each policy.
Commercial Auto insurance is essential for snow plowing business. The insurance policy covers vehicles used specifically for commercial purposes like snow plowers' machines. This snow plow insurance provides liability and bodily injury protection if you injure someone or damage another property while using the vehicle to plow.
Workers Compensation is usually a state-mandated insurance that provides medical and rehabilitation benefits when an employee gets sick or has sustained bodily on the job. It also provides a portion of the employee's lost wages from the start of the accident until they are able to work again. The employee is then not allowed to sue you in these incidents.
Hauling equipment for snow plowing comes with inherent risks. Inland Marine is a type of snow plow insurance that provides protection to certain types of movable property. Inland Marine insurance will cover business equipment in transit. Unlike a Commercial Property insurance, this offers coverage without any regard to the location of the property.
Health Insurance is a way to pay for the snow plower's health care. This insurance pays most all the costs of medical care, and their families as well. It is an essential investment as it provides your employees the coverage they need to make sure they feel taken care of and to ensure that you recruit top talents and make them stay.
Yes. You may need to carry a Hired and Non-Owned insurance for that. This insurance covers the employee's personally owned vehicles. Also, if you have employees plowing snow for you, then you need to make sure that you have Workers' Compensation.
A typical General Liability insurance policy for a snow plow business cost around $400 to $1000 per year. Commercial Auto insurance is around $900 per year. And Business Owners Policy is about $400 annually.
No. Unless your insurance policy mainly states that it covers snow-related claims then you need another policy for that.
If you already have Commercial Auto insurance for your trucks, you may be covered. If you haven't included the plow in your policy you need to inform your insurance agent. However, Commercial Auto insurance does not protect you against General Liability claims.
If you operate a snow plow, you need an 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.
A common risk includes residents or visitors suffering from snow or ice-related injuries. Your business can damage property when a plow skids on ice and damages a vehicle or a property. Injuries could happen to you or the passengers when plowing. Hazards like potholes, ditches or curbs could risk damaging the equipment.
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.
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