Buy 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.

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.

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.

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.

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.