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What is snow removal insurance?

Canadian winters can be hazardous, with snow and ice creating unsafe conditions on roads and sidewalks, and in parking lots. As a snow removal business, you play an essential role in keeping people safe, whether they are on foot or in their vehicles.

But what’s keeping your business safe?

Snow removal insurance is a custom policy that includes several coverages designed to protect snow removal contractors from third-party claims, employee accidents, or equipment failure.

What snow removal insurance includes

Though snow removal insurance policies can be customized to meet the specific needs of your business, most policies include the following coverages:

Recommended add-ons for snow removal insurance

Enhancing your standard snow removal insurance with additional policies can offer extra protection. Common add-ons include:

You may choose to add an additional coverage not mentioned here, based on your own situation. To add coverage types to your policy, you'll have to speak with your insurance provider.

How much does snow removal insurance cost?

The cost of snow removal insurance varies, depending on the insurer and the level of coverage you choose. A standard general liability insurance policy with a $1 million limit starts at around $1,000 per year. However, policies with additional coverages will be more expensive, typically ranging from $1,000 to $3,000 annually for most snow removal contractors in Canada.

Factors that affect the cost of your policy include the types of properties you service, business size, location, vehicle value, tools and equipment value, experience, claims history, and coverage limits and deductibles. Different insurers assess risk differently, so getting an online quote can help determine how much your policy will cost you.

Common types of snow removal insurance claims

Understanding common claims scenarios can help you prepare:

These are not the only situations that insurance will help you out with, but they represent some of the most common issues that snow removal contractors deal with. 

How to get the cheapest snow removal insurance

To find the cheapest policy that suits your needs, consider the tips below: 

Snow removal insurance in Canada: what you need to know

Snow removal insurance is not always mandatory in Canada. However, if you use a plow, you’ll need commercial auto insurance for your vehicle. 

You might believe that because your vehicle is already insured that additional coverage isn’t required, but your vehicle won’t be covered by your personal auto policy when you use it for business. 

Even if your business focuses on private property that doesn’t require a plow, insurance remains a good investment. Without it, you can be left on the hook for sizable expenses if something goes awry.  

Your questions about snow removal insurance, answered.

Here are answers to some frequently asked questions about snow removal insurance.

Is insurance a legal requirement for snow removal contractors? 

It is not a legal requirement to have a specialized snow removal insurance policy. However, if you use a vehcile, such as a plow, you will need commercial auto insurance in order to operate. 

Is snow removal insurance tax deductible? 

Yes, insurance is considered to be a business expense and can be claimed as such when filing your taxes.  

How do I make a claim?

To make a claim, contact your insurance company and explain the reason for the claim in full. Have your documentation and policy at hand and listen to the next steps your insurance company says you need to take.