Snow removal insurance is a policy package specially designed to protect snow removal contractors against common risks associated with their professional activities, such as slip-and-fall injuries or property damage.
Whether you are a landscaper who offers snow services in the winter, or snow and ice removal is your primary source of income, snow removal insurance is a critical component of your risk management strategy. Following an incident, there is a two-year window where a claim could be filed against you. This means that even if you are no longer operating, you still need coverage.
A comprehensive snow removal insurance package begins with Commercial General Liability (CGL) insurance. CGL is the insurance policy you are probably the most familiar with, as it provides coverage for the liability issues most common to your business – bodily injury or property damage.
For example, a client slips on a patch of ice your team was responsible for clearing in a commercial parking lot, breaks their wrist, and decides to sue. Or, when clearing snow off of a residential street, you accidentally drive over someone’s lawn, causing significant property damage, which leads the homeowner to sue your business.
Should you be found responsible in scenarios such as these, commercial general liability insurance would cover the associated legal expenses, medical fees, and repair expenses. Even if you are not found responsible, the cost of a lawsuit can be astronomically high.