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What kind of insurance do I need for snow plowing?

By Robert Clark |

Commercial General Liability
Commercial General Liability (CGL) Insurance – The most common form of coverage for snow removal contractors is commercial general liability insurance.

How do I start a snow removal business?

Here’s a plan outline for starting a snow plowing business.

  1. Determine the Viability.
  2. Decide Whether to Go Big or Go Home(s)
  3. Get The Right License.
  4. Compile an Equipment Checklist.
  5. Find an Emergency Backup.
  6. Advertise Locally — For Free.
  7. Price It Right.
  8. Establish Clear Service Offers.

Is snow removal profitable?

Fast-forward to present-day and plowing snow can be very profitable when done correctly. Some people can earn more money plowing snow than many earn in a full year at their full-time job. It is not uncommon for a snow plowing business to earn $50,000 or more per plow truck during a single Winter!

What’s the best commercial snow plow?

Bizon is proving to be among the best snow plow for truck in the market with its 84-Inch Bizon Snow Plow Blade. Its size can be compared with most of the bigger plows in the list. However, it’s among the most affordable snow plows priced at slightly above 1 grand.

How much should I charge to plow snow?

Snow Removal Prices Hiring someone to plow costs $30 to $50 per visit while sidewalk shoveling or snow blowing runs $25 to $75 per hour. Most companies also clear roofs for an additional $250 to $500.

What should I consider before starting a snow plowing business?

Consider the cost of winter maintenance on your vehicle as well as common expenses such as fuel. Insurance — Some business require their owners to carry insurance for liability purposes. You may also decide to take an insurance policy on your equipment. Further, some states require insurance on operating vehicles.

Do you need a snow plow license in Minnesota?

Again, what license or permit you may need to acquire may be unique to your state or country. Be sure to check with your local government to avoid breaking laws. In Milwaukee, Minnesota, for example, you need a unique “Snow Plow Business” license, provided by the City Clerk’s Office.

Can a Snow Plow Company lease a truck?

Customers will become upset if a business owner isn’t able to plow because their truck broke down during a storm. Leasing a truck can greatly reduce the startup expenses for a snow plow business, but lease payments significantly increase operating expenses.

How often do you need to replace a snow plow?

The ongoing expenses for a snow plow business include maintenance for a your truck and plow, fuel and insurance premiums. Keep in mind that your vehicle (s) will need to be replaced every 10-15 years, depending on frequency of use. Who is the target market?