Snow Removal Insurance for Snow Plows

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Affordable insurance for commercial and residential plows

Harsh and unpredictable Canadian winters make snow plowing business insurance essential for all snow removal contractors. Even though you make the roads and walkways safe, it's an inherently risky business. Slips, falls, collisions, injuries, property damage, and liability claims are all possible.

A business insurance policy designed specifically for snow removal contractors in Ontario will protect you against threats and liabilities. ThinkInsure will help you compare snow removal insurance quotes. We’ll find you the lowest premiums and the best coverage. Start a quote online, or call us to compare your options.

Key takeaways about snow removal insurance policies

Snow plow operators need insurance because of the risky nature of their business.
You can customize your policy to match your coverage needs.
Basic plans for commercial snow removal companies start at $1,000 per month.

What is snow removal insurance?

Snow removal insurance in Canada is specifically for companies and contractors in the winter property maintenance business. Snow and ice are slippery and can create a variety of risky situations. Policies protect your business from common threats of offering snow removal in residential, public, or commercial properties. Several names can refer to snow removal insurance:

Residential snow removal insurance
Commercial snow removal insurance
Snow plow insurance

Why do you need snow removal insurance?

Accidents, oversights, and unforeseen events happen when running a business. There are a lot of things that could happen when you’re out plowing during heavy snowfalls. Some of the things that could happen when you or employees are removing snow include:

Your plow accidentally damages a customer's property
You get into a collision while clearing snow from a parking lot
Someone slips and falls on a property you are contracted to maintain
Your plow breaks down
A customer sues you over a contract dispute

Snow removal insurance can protect you financially if you are liable for damage or losses. You may also be legally required to have proof of insurance to operate in Ontario.

What does snow plow insurance cover?

Snow removal insurance covers you for the three biggest threats to your business - causing property damage with your equipment, accidentally injuring someone, or getting sued by a customer. Policies also offer additional coverage that can come in handy. Here’s a list of coverage you can include:

Liability insurance for snow plowing: Commercial general liability insurance protects you if you cause property damage or injure others while removing snow.
Equipment breakdown: Equipment breaks down, especially in frigid temperatures. Equipment breakdown insurance helps cover the cost to repair equipment when it fails you. This includes plows, snowblowers, de-icers, and other tools to remove snow and ice.
Professional liability insurance: Have protection if you make a mistake, are negligent, or fail to deliver services as agreed. For example, if there is a dispute about snow removal services provided.
Commercial auto insurance: Whether you have a single plow or an entire fleet, you must insure them.
Commercial property insurance: Insure your office, plow yard, storage facility or maintenance building.
Business interruption insurance: This protects your income stream if you temporarily halt operations due to an unforeseen event.

Examples of how snow removal insurance coverage works

There are many situations where snow removal insurance coverage can help you. Here are some common examples of this insurance at work:

Example #1: Someone slips on the ice in the parking lot walkway

A snowstorm happens overnight. In the morning, a customer slips on ice and breaks their leg before you can clear the walkways. They threaten to sue. Your insurance will help cover the medical expenses and legal fees if the customer decides to take legal action.

Example #2: The plow causes property damage in a commercial lot

One of your employees is clearing snow in a commercial parking lot. The operator accidentally backs into a vehicle, causing $5,000 in damage. Your policy will cover the cost of repairing the vehicle damage.

Example #3: Your snow plow unexpectantly breaks down

The mechanical arm on your snowplow stops working. It ceases up and requires repairs. Your policy can help cover the costs of renting a replacement and some of the repair costs.

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2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

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2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

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2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

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2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

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2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

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2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

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2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

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2024-11-01

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How to get snow removal insurance quotes

We can help you secure the right policy to match your business requirements. You can get a quote in three quick steps:

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How much does snow removal insurance cost?

The average cost of snow plow insurance depends on your company's size and scope. Basic liability policies start can start around $1,000 monthly for $1 million in coverage. For example, there’s a significant premium difference if you have one truck or a fleet. There is also a difference between someone shovelling out residential driveways and a company clearing commercial parking lots. Call us for an accurate snow removal insurance quote based on your business's needs.

If you have multiple plows, look into your options for commercial fleet insurance.

What factors affect snow plow insurance rates?

man using snowblower to clear snow on driveway

Many things related to business operations, services offered, your service area, and experience affect snow removal insurance rates. Top factors include:

Business size: Your service area and number of employees.
Business type: Do you offer commercial or residential services? What types of snow removal contracts do you have?
Location: The areas served, weather conditions, and level of risk. Where you are located affects the length of your service season.
Years of experience: How long you’ve been in business and snow removal services offered. What type of training do you and your employees have?
Tools and equipment: Trucks, plows, snowblowers.
Claims history: How many claims have you filed?
Annual revenue: How much income do you generate? What is your company's value?

How can I get cheap snow removal insurance premiums?

Here are some ways to save on insurance for snow removal companies:

Only allow experienced and trained employees to operate equipment
Have a documented safety protocol in place
Maintain detailed service records for all customer accounts
Ensure all snow removal contracts have liability waivers
Avoid filing claims for small losses
Increase your insurance deductible

Snow plow insurance FAQs

Is snow removal insurance required by law?

No. Snow removal insurance is not required by law in Ontario. However, you must have commercial auto insurance coverage for any trucks or plows you operate.

Do you need insurance to plow snow?

Offering snow removal services is an inherently risky business. You are exposed to many different types of liability. So, it's recommended that you have an insurance policy to protect your business and your financial well-being.

Another reason to have coverage is to secure snow removal contacts. Many people will only hire snow removal contractors if they have proof of insurance. Some Ontario cities require you to have insurance to operate as a licenced snow removal contractor.

Why is snow removal insurance so expensive?

Snow plow insurance policies often have a higher price tag due to the unique risks associated with snow removal, such as slip and fall claims. While this may seem significant, investing in a comprehensive policy with sufficient coverage is crucial. A single accident can lead to substantial financial burdens, making insurance a vital safeguard for your business.

Get a snow removal insurance quote

Comparing snow removal insurance quotes allows you to explore your coverage options and find a policy that fits your budget. At ThinkInsure, we’ll help you get affordable rates from the top Canadian insurers and save more. Speak with us today.

Call 1-855-550-5515 or request a quote online.

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Snow Removal Insurance

Save on snow removal insurance and protect your residential or commercial plowing company.