Snow Plow Insurance Policy Information
Snow Plow Insurance. If you run a business that offers snow removal in, then you provide a valuable service to your community that's likely quite profitable at certain times of the year. But are you fully protected from any sort of liability that might be cast on your company if you cause an accident, damage someone else's property or someone slips and falls?
If you offer snow removal services, you are typically required by local and state laws to maintain commercial snow plow insurance, or you may be contractually obligated by your client to provide this insurance. Either way, it protects your business from financial fallout if something goes awry during the course of snow plowing.
Snow plow insurance protects your plowing operation from lawsuits with rates as low as $117/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked snow removal insurance questions:
- What Is Snow Plow Insurance?
- How Much Does Snow Plow Insurance Cost?
- Why Do Snow Removal Businesses Need Insurance?
- What Type Of Insurance Do Snow Plow Businesses Need?
- What Does Snow Plow Insurance Cover & Pay For?
What Is Snow Plow Insurance?
Snow plow insurance is a type of insurance that provides coverage for businesses or individuals who operate snow plows. The coverage can include protection for liability, damage to the plow itself, and damage to other vehicles or property caused by the snow plow during snow removal operations.
Snow plow insurance is important for snow removal professionals as it can provide financial protection against unexpected costs and expenses that may arise as a result of a snow plowing accident. Without snow plow insurance, the costs associated with repairing damage or covering lawsuits can be substantial and may even put a business or individual out of operation.
It is important to carefully review the coverage and policies offered by different insurance providers to ensure that you have the protection you need while operating a snow plow. This may include coverage for accidents, mechanical breakdowns, and liability for property damage or personal injury.
How Much Does Snow Plow Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small snow plow businesses ranges from $117 to $199 per month based on location, types of areas plowed, payroll, sales and experience.
Why Do Snow Removal Businesses Need Insurance?
Snow plow insurance provides a buffer of protection between your business and your snow removal activities. So much can go wrong when you are removing snow.
Snow creates a blanket on the ground that can disguise the layout of the landscape or even cover items of value that you can't see while you plow. This can lead to accidental damage to the property of the client for whom you are plowing. For example, if a thick blanket of snow is covering a feature in someone's driveway, and you plow into it and hit the buried object, you can be found liable for replacing or repairing it.
Likewise, if you cause a huge mess on your client's property, you can be held liable for repairing grass or sod that you've damaged, which cuts into your profits.
With snow plow insurance in place, your business interests and your property both receive protection. In the event of a claim being lodged against your business, this insurance kicks in and provides legal fees and payouts on your behalf.
In the event of damage to your own equipment or vehicles used during snow removal, those losses can be mitigated if you are covering your plowing equipment.
What Type Of Insurance Do Snow Plow Businesses Need?
Snow plow businesses typically need several types of insurance coverage, including:
- Commercial auto: This insurance covers vehicles used in the business, such as snow plows, trucks, and other equipment.
- General liability insurance: This insurance provides coverage for accidents or damages that occur on the property of others, such as if a client's driveway is damaged during snow removal.
- Workers compensation: This insurance covers any medical expenses and lost wages of employees who are injured while on the job.
- Commercial property: This insurance covers any damage to the business's equipment or buildings, such as damage caused by a snowstorm.
- Commercial umbrella: This insurance provides additional coverage for any liability or damages that exceed the limit of the general liability insurance.
It's important for snow plow businesses to have these insurance policies to protect their assets and ensure they can provide compensation in case of accidents or damages.
What Does Snow Plow Insurance Cover & Pay For?
Snow plowers can be sued for a variety of reasons, including property damage, personal injury, and breach of contract. Here are some examples of these types of lawsuits and how insurance can protect snow plowers:
Property damage: Snow plowers can be held liable for damaging property while plowing snow. For example, they may accidentally hit a mailbox, fence, or other object while plowing. If the property owner files a lawsuit against the snow plower, their liability insurance can help pay for damages. The insurance company will investigate the claim, and if it's found to be valid, they will cover the cost of repairs or replacement.
Personal injury: Snow plowers can also be sued if someone is injured as a result of their plowing activities. For example, a pedestrian may slip and fall on a patch of ice that was left behind after the plower passed through. In this case, the snow plower's liability insurance can help pay for the injured person's medical expenses, lost wages, and other damages.
Breach of contract: Snow plowers may also be sued for breach of contract if they fail to perform their duties as outlined in their contract with a property owner. For example, they may fail to plow a driveway or parking lot as agreed, resulting in the property owner suffering financial losses. In this case, the snow plower's professional liability insurance can help cover the cost of legal fees and damages awarded in a lawsuit.
In each of these cases, insurance can help protect snow plowers from financial ruin due to a lawsuit. It's important for snow plowers to have adequate insurance coverage to protect themselves from these risks.
Commercial Insurance And Business Industry Classification
- SIC CODE: 0782 Lawn and Garden Services
- NAICS CODE: 541320 Landscape Architectural Services, 561730 Landscaping Services
- Suggested Workers Compensation Code(s): 9402 Street Cleaning & Drivers
Description for 0782: Lawn and Garden Services
Division A: Agriculture, Forestry, And Fishing | Major Group 07: Agricultural Services | Industry Group 078: Landscape And Horticultural Services
0782: Lawn and Garden Services: Establishments primarily engaged in performing a variety of lawn and garden services.
- Bermuda sprigging services
- Cemetery upkeep, independent
- Garden maintenance
- Garden planting
- Lawn care
- Lawn fertilizing services
- Lawn mowing services
- Lawn mulching services
- Lawn seeding services
- Lawn spraying services
- Lawn sprigging services
- Mowing highway center strips and edges
- Seeding highway strips
- Sod laying
- Turf installation, except artificial
Snow Plow Insurance - The Bottom Line
Utilize the services of a commercial agent to find the best snow plow insurance for your needs. Your agent can help you understand the different variances between regular business insurance and snow plowing insurance and help you make a determination as to the levels of coverage that you need to have in place at all times.
In addition, your agent can compare rates on snow plow insurance with more than one insurer, so you get a snapshot of the availability and the prices of policies with more than one company - getting the most for your business' dollars.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tank Cleaners
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors
The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as:
Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded.
Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment.
Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time.
Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages.
Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.