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You banish snow from peoples’ driveways and turn parking lots into slip-free zones. The last thing you’d ever want is to cause an accident.
But that’s the thing with snow and ice. It’s tricky to work with. And if you’re hauling around heavy tools or operating machinery in wintery conditions, there’s a chance things might not go to plan.
General liability insurance for snow removal covers medical bills, legal fees, and damages if there’s a third-party claim for property damage or bodily injury.
It may freeze out damaging lawsuits if a client or member of the public sues your business. Without it, you’ll be left out in the cold.
Given the nature of the job, general liability (GL) is a must-have insurance for snow removal businesses. It covers you if you accidentally damage someone’s property or injure them. And it protects you and your employees from slander and libel suits.
How about your snow removal tools? You can’t work without them. So you’ll want to protect them with business personal property (BPP) insurance, which you can buy as a bolt-on to GL. This covers your tools and equipment for loss, theft, or damage, both on-site and in transit.
One more thing. If you have employees, you should check whether you need workers’ compensation for them. It’s mandatory in most states as it covers the cost of employee workplace illness and injury claims. Which when you’re working with powerful snow blowers and corrosive ice melts, could amount to a lot.
Snow removal insurance is for anyone who owns or operates a snow removal business. You need it no matter the size or scale of your business – whether you command a whole fleet of snow plow trucks or it’s just you and a shovel.
If you’re a landscaping or lawncare contractor who occasionally removes snow, you can buy landscaping insurance and have snow blowing and removal added on. You should check with your insurer all your activities are covered.
Snow removal GL covers you for:
Costs may vary depending on what insurance you buy, what coverage options you choose, and the size of your business.
Don’t forget, how you pay for your insurance is up to you. You can cover it all in one go or split up your payments. Just call us if you’d like to talk it through.
Anyone work for you? Employment practices liability insurance protects you from the cost of claims brought for unfair dismissal, sexual harassment, discrimination and more.
And most states require you to have workers’ compensation insurance even if you only have one employee. It’s good to have. It protects your business from the cost of workplace injury claims — which can be crippling.
You might not think you need cyber liability insurance. But one-man bands and small snow removal businesses are just as likely to be targeted by cybercriminals as big corporates. Size doesn’t matter to hackers. They just go for the easiest targets. And without tough cyber defenses, that’s you.
So if you store sensitive client data, step up your cyber security. And protect your cashflow with a cyber liability policy. Because it’s not the attack that’ll wipe you out, it’s the huge cost of recovering from one. Cyber liability insurance can take care of these costs, so your snow removal business survives.
Every snow removal business is unique, we get that. So we can build an insurance package to suit your particular needs. In minutes.
Business personal property insurance (BPP)
If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.More info
Cyber liability insurance
If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.More info
Workers' compensation insurance
Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.More info
Because we understand every business is different, we'll build an insurance package to suit your needs. In minutes.
To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.
For help, support or just a quick question, feel free to call me.
I'm Deniel - I'm here to help you Monday to Friday, 9am-5pm ET.
My direct line is 978 344 4229.
Customer Service Representative