Snow Removal Insurance Guide (2026): Cost, Coverage & Requirements
Snow removal is one of the most profitable seasonal businesses in Canada. Whether you are running a single plow truck in Calgary or managing a fleet of snow removal machines in Montreal, the demand is massive.
But with high demand comes high risk.
In 2026, Snow Removal Insurance rates are tightening. Insurance companies are stricter than ever about "Slip and Fall" claims. If you are offering snow removal services—commercial or residential—operating without the right coverage is financial suicide.
At Summit Cover, we help contractors navigate these icy waters. In this guide, we break down the coverage you need, the costs you can expect, and how to protect your business.
What Type of Insurance Do You Actually Need?
Many new contractors ask: "Does my truck insurance cover plowing?"The Answer: Usually, NO.
To run a legitimate snow removal business, you need a "Commercial General Liability" (CGL) policy with specific operations approved.
1. Commercial General Liability (CGL)
This is the foundation. It protects you if:
- Someone slips on the ice you just cleared (or failed to clear).
- Your plow hits a parked car or damages a client's landscaping.
- You accidentally pile snow against a building, causing water damage.
2. Equipment Floater (Tools Coverage)
Your plow, salter, and snow blowers are expensive.
- If your snow removal machine is stolen from the job site or your garage, CGL won't pay. You need an Equipment Floater to replace it.
3. Commercial Auto Insurance
Personal auto policies exclude "Commercial Use" like plowing. If you get into an accident while plowing a driveway and haven't declared it, your claim will be denied.
Estimated Cost of Snow Removal Insurance (2026)
"How much does it cost?" is the #1 question. Rates depend on your location (Toronto vs. rural areas), your revenue, and whether you do roof snow removal (which is higher risk).
Annual Estimated Premiums (Small to Mid-Sized Operations)
> Note: These are estimates. Prices in high-litigation areas like Ontario may be higher due to "Slip and Fall" frequency.
The "Slip & Fall" Nightmare: Why Coverage Matters
In cities like Toronto and Mississauga, slip-and-fall lawsuits are common.Even if you did a perfect job, if ice forms 2 hours later and someone falls, you can be named in a lawsuit.
Pro Tip for 2026:Ensure your policy includes coverage for "Completed Operations". This covers you for accidents that happen after you have left the site. Without this, you are exposed the moment you drive away.
Regional Requirements: Ontario vs. Quebec vs. Alberta
Different provinces have different risks and requirements.
- Snow Removal Montreal & Quebec: Winter tires are mandatory, and liability laws are distinct. Due to heavy snowfall volume (1900+ searches for
snow removal montreal), ensuring your equipment coverage matches the workload is key. - Ontario (Toronto/Ottawa): Litigation risk is highest here. Landlords often demand proof of $5 Million Liability before signing a contract.
- Alberta (Calgary/Edmonton): Extreme cold can damage equipment. Make sure your "Equipment Breakdown" coverage is active.
How to Lower Your Premium
Insurance is a major expense, but you can manage it.
- Use Logs: Keep detailed digital logs of every site visit (Time in, Time out, Salt applied). This is your best defense in court.
- Contracts: Use solid contracts with your clients that define where your liability ends.
- Bundle: Combine your Truck and Liability insurance with one broker (like Summit Cover) for a discount.
Final Thoughts: Secure Your Season
Don't wait for the first blizzard to check your policy. Whether you are searching for "snow removal near me" to sub-contract work, or you are the one driving the plow, getting the right insurance is the first step to a profitable winter.
Get a fast, competitive quote for your snow removal business today.
