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Why Does a Snow & Ice Removal Need Insurance?
One slip-and-fall claim can wipe out a season’s profit. Snow and ice work puts you on busy properties, in the dark, and under tight deadlines. Insurance helps cover injuries, property damage, and accidents tied to your crews, equipment, and vehicles.
What Does Snow & Ice Removal Insurance Cover?
It can cover third-party injuries, damage to client property, and losses tied to your tools, trucks, and operations. It also helps with legal defence and certain contract requirements from HOAs, retail centres, and municipalities.
Slip-and-fall after service
A tenant falls in a walkway you plowed earlier and alleges the area was left icy. Coverage can help with medical costs, legal defense, and a settlement if you’re found responsible.
Property damage from plowing
A driver clips a curb, sprinkler line, or garage door while clearing a lot. Insurance can help pay for repairs so a small mistake does not turn into a major client dispute.
Equipment stolen or damaged
Salt spreaders, blowers, and hand tools disappear from a jobsite or are damaged in transit. The right policy can help replace essential gear and keep routes running.
Snow & Ice Removal Insurance Made Simple
Everything you need to know about protecting your business, from coverage basics to real-world scenarios.
