The Hartford doesn’t offer snow plow insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
Why Do You Need Snow Plow Insurance?
Running a small business is hard work. The right snow plow business insurance coverages can help prepare you for the unique challenges you face. Snow plow insurance is another name for small business insurance. It’s a package of coverages designed to help protect your business from the risks that come with cleaning snow.
Who May Need Commercial Snow Plow Insurance?
- Landscaping companies
- Municipal contractors
- Property management firms
- Retail businesses
- Snow removal service companies
What Type of Insurance Do I Need for a Snow Plowing Business?
Most snow plow businesses start with a Business Owner’s Policy (BOP) for the peace of mind it can provide. It helps protect your business from common claims that can come up during normal operations.
A BOP helps protect snow plow businesses from claims of bodily injury or property damage. It combines three essential types of coverage into a single policy:
General liability insurance to help protect your business from claims it caused bodily injury or property damage to someone else’s belongings.
Commercial property insurance to help protect the owned or rented building you operate from, as well as the tools, equipment and inventory that you rely on. This can include your:
- Snow blowers
- Salt spreaders
- Shovels and ice scrapers
- Snow plow
Business income insurance to help place lost income if you can’t operate because of covered property damage caused by wind, fire or theft.
While a BOP is a good foundation for insurance protection, it doesn’t cover every type of claim. You can get other types of insurance to add to your BOP, such as commercial auto insurance or workers’ compensation insurance, to increase your coverage.
How Much Does Snow Plow Insurance Cost?
The cost of snow plow insurance varies because every business owner is different and has unique needs. Insurers also look at different factors to determine costs.
The best way to find out how much your insurance will cost is to get a quote from Tivly. We work with Tivly to help you get the coverage you need.
General Liability Insurance
“I was plowing a client’s driveway when my truck hit a stone fountain that was buried in the snow. It was heavily damaged, and I had to pay to replace it.”
General liability insurance for snow plowing helps cover claims that your business caused bodily injury or property damage to someone else.
Pollution Liability Insurance
“A few of our trucks leaked oil, which seeped into the nearby soil. We had to pay to get it cleaned up properly and to make sure the oil didn’t cause any lasting damage.”
Pollution liability insurance can help your snow removal business if a pollutant causes bodily injury or property damage.
Workers’ Compensation Insurance
“One of our workers cut his finger open as he was wiping down a plow blade. It was a deep cut, and he had to go to the ER for stitches.”
Workers’ compensation insurance gives your employees benefits if they have a work-related injury or illness. It can help cover their medical care bills and replace lost wages if they can’t work.
Commercial Auto Insurance
“My driver was clearing out a parking lot when the corner of his plow side-swiped a parked car, causing pretty significant damage.”
Commercial auto insurance can help protect your drivers on the road if they’re using company-owned vehicles for business.
Commercial Property Insurance
“An electrical fire started in our garage, damaging one of our trucks and several plow attachments.”
Commercial property insurance helps protect your owned or rented building, as well as plows, shovels and other tools you use to operate your snow removal business.
Business Income Insurance
“Someone broke into our warehouse and stole a few plows off our trucks.”
Business income insurance can help replace your business’ lost income if you can’t operate because of covered property damage, like theft, fire or wind damage.
Stay Successful With Snow Plow Insurance
Get the protection you need to work through every storm from Tivly.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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