General Liability
General Liability: The most common form of snow removal insurance coverage. It covers instances of bodily injury, property damage and other accidents for which your business is found liable. Some clients might require you have this coverage before you begin working for them.

Do you need commercial insurance to plow snow?

In most cases, a commercial auto policy is mandatory to obtain a snow plow insurance policy. Both the snow plow policy and commercial auto policy limits must be similar. For example, if you request $500,000 of snow plow liability coverage, your commercial auto policy must be at least $500,000.

Do you need a license to plow snow Ontario?

A snow plow contractor licence is required for any business that plows or removes snow from a private property with a snow plow. This winter, make sure that your snow removal business in the City of Ottawa is prepared and protected.

Why is snow removal insurance so expensive?

3 reasons why snow plowing is a “High Risk” to insure This is primarily a result of increasing slip and fall lawsuits as well as historical precedence. They often transfer all legal responsibility for slip and fall incidents directly to contracted snow removal companies.

How much is insurance on a plow truck?

That being said, a typical General Liability insurance policy for a snow plow business can cost around $400 to $1000 per year. Commercial Auto insurance is around $900 per year. And a Business Owners Policy is about $400 annually.

Do you need 4 wheel drive to plow snow?

With a 2wd pickup truck you will need a larger engine with more horsepower. And torque than you would need with a 4wd pickup truck. A minimum of 250 horsepower and at least 250 foot pounds of torque will be needed to push snow with an 8 foot blade. When the snow is wet or is deeper than 4 to 6 inches.

Why is passing a snow plow dangerous?

It’s not safe. When drivers attempt to pass a plow truck, they put themselves, their passengers, the snow plow operator and other motorists at risk. The plow could be equipped with a wing blade on its left or right side, which can be obstructed by the snow it’s throwing.

Can you pass a snow Plough in Ontario?

Never pass a snow plow! At no time should a vehicle pass a snow plow. This could result in a severe, even fatal, collision.

What kind of insurance do you need for a snow plowing business?

If you’re operating a snow plowing business, you should purchase a commercial insurance policy. The right combination of commercial insurance (such as general liability and commercial auto) is one way you can protect your company.

What happens in the event of a snow plow claim?

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.

What happens if you plow into someone’s driveway?

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.

Why do you need worker’s comp for snow removal?

Worker’s compensation insurance is valuable protection for your employees. If you work on your own, this may not be an issue, but if you have people working for your snow removal business, then worker’s comp provides money to your employees who are hurt or become ill due to something that occurs on the job.