Insurance for Snow Plowing Services

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Better, Regardless of Your Size

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.

BASIC

Essential coverage for your customers


General Liability

From
39
Month
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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.

Call us at (646) 844--9933 for help and more information

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?

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.

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.

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

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.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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