Snow Removal Service Insurance

What to Know about Snow Removal Service Insurance

Protect your business in every season.

Snow Removal Service Insurance

Snow removal services face a variety of potentially costly risks. If something goes wrong while you’re clearing snow at someone’s home or at a business, the consequences can be devastating. That’s why you need snow removal service insurance to help you cover your losses and protect your business.

A local independent insurance agent can help you assess your risks and find the right business insurance policies that are tailored to your industry.

Why Do You Need Snow Removal Service Insurance?

When you work on someone else’s property, you expose both your customers and your employees to injuries and other problems. Snow removal service insurance protects your business from financial losses related to these problems, such as the following.

  • Damage to a client's property during the course of your work
  • Property losses (losses to tools, equipment, and other valuable commercial property) from a variety of sources, including fire, theft, severe weather, and vandalism
  • Lawsuits
  • Motor vehicle accidents

If someone sues you after you cause an injury or property damage, you’ll have to pay for your own legal fees. And if you sustain damage to your own property, you’ll have to pay to repair or replace it. That’s where your snow removal service insurance plays an invaluable role.


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General Liability Insurance for Snow Removal Services

Snow removal services must carry commercial general liability insurance that protects you against any third-party injuries or property damage that may occur. If, for example, a vendor slips and falls while delivering supplies to your business, your insurance will cover the cost of any related medical care, as well as any legal costs that may arise if the person sues you.

CGL insurance protects you from having to pay out of pocket for damages or legal fees if your services happen to cause damage to any of the homes you work on. It offers broad protection for a wide variety of negligence claims and lawsuits.

Do Snow Removal Services Need Other Types of Liability Insurance?

Owners of snow removal services will likely need to invest in several other types of liability insurance in order to ensure that you have no gaps in coverage. Consider the following types of policies.

  • Commercial vehicle insurance: This covers your cars, trucks, and any other vehicles you use for business. In addition to liability coverage, it provides collision, comprehensive, and uninsured motorist coverage. If you have employees who drive personal vehicles for business purposes, talk to your insurance agent about your need for non-owned auto liability insurance.
  • Commercial umbrella insurance: Also known as excess liability coverage, this provides supplemental liability protection beyond the limits of certain other liability policies. This policy can be invaluable for that once-in-a-lifetime judgment rendered against you.
  • Employment practices liability insurance: This covers you if an employee sues you for discriminatory employment practices.

Your independent insurance agent can help you learn more about this valuable liability protection, and help you decide whether you need it or not. 


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Property Insurance for Snow Removal Services

Commercial property insurance protects buildings and their contents, including computers, office equipment, furniture, and all of your commercial property (whether it is owned or leased) if it is damaged by fire, smoke, theft, vandalism, or some other covered peril. If, for example, someone vandalizes the outside of your building, breaks in and steals tools and equipment, your commercial property policy will help to pay for the repairs to your building, as well as the cost of replacing and stolen or damaged property.

If you sustain damage that forces you to temporarily close or relocate, business interruption coverage will reimburse you for ongoing expenses (rent, salaries, etc.) and lost income during the closure or relocation period.

You may also need additional property coverage for your business. Talk to your independent insurance agent about your need for the following.

  • Flood or hurricane insurance: Your basic commercial property policy does not cover flood or hurricane damage. Talk to your agent about flood and hurricane insurance if you live in an area that is prone to these events.
  • Employee crime and dishonesty coverage: Protects your business from the costs of theft, dishonesty, and fraudulent acts committed by an individual employee or a group of employees. It provides coverage for forgery, alteration, theft, unauthorized electronic funds transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud.
  • Inland marine insurance: Covers tools, equipment, and supplies as they are in transit. And if any of your tools are stolen from a job site, inland marine insurance will cover the cost of replacing the tools.

These and other policies and policy endorsements can be customized to cover your unique risks, and together make up a large portion of a comprehensive snow removal service insurance program.

Why Do You Need Workers’ Compensation Insurance?

Accidents involving your workers can happen at any time. If one of your employees gets injured while on the job, you’re responsible for paying for his or her medical expenses. What’s more, he or she may not be able to work until fully recovered, leaving the employee without his or her income.

Workers’ compensation insurance protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for an injured worker while he or she is unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.

How Much Does Snow Removal Service Insurance Cost?

Your costs for snow removal service insurance will vary depending on the unique characteristics of your business, such as the location, the number of employees, the value of your commercial property (building plus contents), whether or not you own your building, and how many trucks, plows, or other commercial vehicles you own and operate.


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Benefits of an Independent Agent

An independent insurance agent who has experience working with snow removal services and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Find and Compare Quotes for Snow Removal Service Insurance

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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