Why do snow and ice removal businesses need insurance?
Your work involves extreme weather and dangerous driving conditions. Snow removal business insurance can help cover the cost of vehicle accidents, stolen equipment, and accidental damage to fences and parked cars. It also helps you fulfill the requirements of contracts and state laws.
Get same-day insurance
With Insureon, snow removal companies can get coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated insurance companies.
What types of insurance do snow removal contractors need?
These insurance policies cover the most common risks of snow removal.
General liability insurance
General liability coverage helps pay for legal costs from damage caused by your snow plow. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).
- Slip-and-fall accidents
- Damaged customer property
- Defamation and other personal injuries
Workers’ compensation insurance
Most states require workers' comp insurance for snow plow businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Tools and equipment insurance
This policy helps pay for repair or replacement of snow blowers, ice scrapers, salt spreaders, and other tools. It's a type of inland marine insurance.
- Equipment less than five years old
- Mobile equipment
- Small tools
Commercial auto insurance
A commercial auto insurance policy covers the cost of bodily injuries and property damage caused by a snow plow. Each state has its own requirements for auto coverage.
- Physical damage caused by a snow plow
- Medical costs from an auto accident
- Vehicle vandalism and theft
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for snow and ice removal contractors.
- Accidents that injure clients
- Client property damage
- Damage to your building or its contents
License and permit bonds
Snow removal professionals often need a bond to get licensed in their state or to perform certain services. A bond provides a financial guarantee that your business will comply with regulations.
- State licensing requirements
- Snow removal permits
- Oversize snowplow permits
How much does snow removal business insurance cost?
A snow plow driver who works independently will pay less for insurance than a larger company.
Average snow removal business insurance costs include:
- General liability: $132 per month
- Tools and equipment: $53 per month
- Workers' compensation: $150 per month
Factors that affect premiums include:
- Contracting services offered, such as snow plowing or salt spreading
- Business property and equipment
- Business income
- Types of small business insurance coverage
- Policy limits and deductibles
How do I get snow removal insurance?
It's easy to get snow plow insurance and other types of coverage if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Our licensed insurance agents work with top-rated U.S. providers to find the right, most affordable coverage for your snow removal service, whether you work independently or hire employees.
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