Insurance for Snow Plowing Services
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Coverage Plans for All Your Needs
Those who work within the snow plowing services industry mainly work to remove snow and salt icy streets. Professionals in this industry may work in landscaping during the off seasons, where snow is not an issue.
Essential coverage for your customers
General LiabilityInstant quote »
- Coverage against claims from bodily injury, property damage and personal injury
- Coverage for products/completed operations
Get protected against employment-related issues
General Liability + Commercial Auto +Workers Compensation*Instant quote »
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
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.
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)
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 business insurance that provides medical and rehabilitation benefits when an employee gets sick or has sustained bodily on the job. This insurance also provides a portion of the employee's lost wages from the start of the accident/sickness 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 fmailies 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.
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?
Yes. You may need to carry a Hired and Non-Owned insurance for that. This insurance covers the employee's personally owned vehicles. Also, you have employees plowing snows for you, then you need to make sure that you have Workers' Compensation.
How much does snow plow insurance cost?
A typical snow plow General Liability insurance policy would cost around $400 to $1000 per year. Commercial Auto insurance is around $900 per year. And Business Owners Policy is about $400 annually.
I have General Liability coverage for my business. Does that cover me for snow/ice-related claims?
No. 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. 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.
Why do snow plowers need insurance?
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.
What risks could snow plowers face?
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.
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