Snow Removal / Plowing Insurance
Clearing lots and walks means the surfaces you treat have to stay safe for the public — a slip on a lot you serviced is the central exposure for plowing and de-icing work.
What this coverage is intended to address
- ✓General liability that is intended to respond if someone slips and is injured on a lot or walkway you cleared or treated.
- ✓Property-damage protection generally intended to address curbs, signage, or landscaping clipped or buried by a plow.
- ✓Coverage that interacts with seasonal contracts and hold-harmless wording, which a licensed insurance professional can help you align.
- ✓Tools and equipment (inland marine), when scheduled, intended to help replace plows, spreaders, and blowers if stolen or damaged.
Coverage products commonly considered
Most snow removal / plowing operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Imagine a customer slips on a parking lot you plowed and de-iced earlier that morning and breaks a wrist; in the event of a covered claim, the general liability portion is intended to respond to the bodily-injury demand.
- Suppose a plow blade catches a hidden parking curb and tears up the adjacent landscaping — the property-damage coverage may help respond to the repair claim.
Frequently asked questions
Is a slip-and-fall on a lot I cleared addressed?
Slip-and-fall on a serviced surface is the primary exposure for this trade; general liability is generally intended to respond to such third-party bodily-injury claims, subject to policy terms.
How do my seasonal contracts affect coverage?
Seasonal agreements often include hold-harmless or indemnity language that can shift responsibility; a licensed insurance professional can review how those terms line up with your policy.
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