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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.
BASIC
Essential coverage for your customers
Includes:
STANDARD
Protection to operate as snow plow service
All Basic plan benefits plus:
PRO
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
CUSTOM
When you have specific requirements
ALREADY INSURED?
We will take care of the switching hassle.
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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.
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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