Snow Removal Insurance

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Insurance for snow removal contractors

From Whitehorse to St. John’s, citizens across Canada rely heavily on snow removal contractors to transform sudden blizzards and ice storms into safe living conditions. While demand for your services increases, so will the risk of a lawsuit due to the high-risk nature of your business. 

As a snow removal contractor, managing risk is inherent to your business, so it only makes sense that you have an airtight risk management strategy in place for yours. At Zensurance, we know what makes your business unique. With over fifty partners, we’ve helped thousands of contractors protect their businesses from costly claims with flexible insurance policies customized to meet their specific needs. 

Our mission is to make insurance as accessible as possible. We wrote this guide to help you navigate the basics of snow removal liability insurance for your business.

What is snow removal insurance?

Comprehensive coverage that 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 Victoria will have a drastically lower level of risk than snow removal in a snowier part of Canada, such as St. John’s. 

We know what makes your business unique. Our snow removal insurance policy packages protect contractors against the specific risks associated with snow removals, such as third-party property damage and equipment breakdown.

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What does it cover?

Insurance requirements may vary by service; however, snow removal policy packages typically include the following 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.

Do snow removal contrators need insurance?

Whether you offer snow removal is your main service or something you offer seasonally as part of your landscaping business, 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. 

Not only can it protect you from financial loss, but it will also help in securing jobs. In today’s increasingly litigious society, project managers and planners will often ask for proof of insurance before making a hiring decision. 

Our specialized team of brokers can always ensure you receive the most comprehensive coverage for your business.

How much does it cost?

Due to snow removal’s high-risk nature, you need a comprehensive policy package that protects you from all angles. For snow removal contractors operating in a low-risk area, you can anticipate premiums starting from $1,250 per month for a basic CGL policy with a $1M limit. As the level of risk increases, so too will the cost of your premium.

When you fill out our online application, we will ask some questions about your business to understand your needs better. The following factors are taken into consideration when determining the best policy options for your snow removal business:  

  • Size and Location 
  • Years of Experience 
  • Annual and Projected Gross Revenue
  • Number of Employees
  • Previous Insurance Claims

We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.

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Common claims scenarios

Other contractor trades we can provide coverage for:

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