Snow Removal Insurance.

Coverage that is comprehensive so that it can withstand the high-risks associated with ice and snow removal is critical to running a thriving snow removal business. When it comes to landscaping and snow removal insurance for your business, distinct factors, such as size, location, and service-related risks, need to be considered.

For example, a landscaping business that offers occasional snow removal in Kelowna will have a drastically lower level of risk than snow removal in a snowier part of Canada, such as Winnipeg. We know what makes your business unique, let us craft a snow removal insurance package that protects your business against the unique risks it faces.

Whether you offer snow removal is your main service or something you offer as an adjacent service seasonally, anyone providing snow removal and landscaping services needs to protect their company with a comprehensive Snow Removal Insurance policy package. Following an incident, there is a two-year window where the client could file a claim against you. This means that even if you are no longer operating, you still need coverage in force.

Not only can this cover it protect you from financial loss, but it will also help in securing jobs as most companies will be looking for proof of insurance before they offer a contract.  Our team of experts can always ensure you receive the most comprehensive and tailored coverage for your business.

Insurance requirements may vary by service and operations; however, snow removal policy packages typically include the following type of coverage:
‍Commercial General Liability (CGL) Insurance – The most common form of coverage for snow removal contractors is commercial general liability insurance. CGL is a business insurance policy that protects you and your business against common claims inherent to your business, such as third-party property damage or bodily injuries. Should your business be named in a lawsuit, CGL could cover medical expenses and legal fees, regardless of the outcome.An important note for business owners with employees is that your policy coverage limit applies to all employees of your business, not each employee. To accommodate all of your employees, you can increase your coverage limit. Another option to ensure all parties have adequate coverage is to hire sub-contractors that carry liability insurance.For subcontractors, consider purchasing liability insurance to ensure you always have coverage, even when an employer can’t cover you. Having snow removal liability insurance would also allow you to work across multiple locations.
‍Equipment & Tools Insurance – Your tools and equipment are your most important assets, making equipment and tools insurance necessary. This policy provides coverage to replace or repair lost or damaged equipment, tools, and accessories. Anything valued at less than $1,500 is considered a tool, whereas anything above is considered equipment. You may wish to add Leased, Rented, Borrowed Equipment to your policy, which provides coverage for loss or damage to materials and equipment you lease, rent, or borrow.
‍Equipment Breakdown Insurance – Another form of protection for your equipment is that this policy covers the cost of replacing or repairing equipment should it break down due to a mechanical or electrical issue. For example, should your snow plow breaks down due to a blown hose, Equipment Breakdown Insurance could cover the cost to replace it.
‍Hired and Non-owned Vehicle Coverage – This coverage is designed to protect vehicles used in connection with your business that you don’t own, rent, lease, or borrow. For example, an employee attaches a snowplow to the front of their truck and crashes it on a job site. This type of coverage could cover the costs associated with repairing the truck.
‍Legal Expense Insurance – Should a lawsuit be brought against you or you require legal advice, this type of coverage gives you access to unlimited general legal advice on any legal issue with an experienced lawyer.

Snow removal Insurance should never be sold solely on price. You are protecting your most important asset. Our mission is to find you the perfect coverage but also find the best priced policy with that coverage.
The exact cost for your insurance policy varies according to factors such as:
Size and Location
Years of Experience
Annual and Projected Gross Revenue
Number of Employees
Previous Insurance Claims