For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
Protect your snow plowing business against the cost of lawsuits, employee injuries, business interruption, property loss, and other risks through snow plow insurance. Purchase general liability insurance, professional liability insurance, workers compensation insurance, commercial auto insurance, and more.
Also read:
| CoverWallet | NEXT (Best) | Thimble | GEICO | Progressive | Hiscox | |
|---|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | Included | Included | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | Included | Included | $1,000,000 |
| Tenant’s legal liability coverage limit | $1,000,000 | $100,000 | $5,000 | Included | Included | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded | Excluded | Can be included |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded | Excluded | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Excluded | Excluded | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 | $0 |
Similar to bulldozer contractors and excavator contractors, purchase general liability insurance for snow removal contractors because clients might look for this before working with you. Also called snow plow liability insurance, this policy is useful when:
A claim is filed because your employee ran over someone while snow plowing
A claim is filed after your snow plow threw slush and debris at houses or cars
A claim is filed because your snow plow backed on someone
An independent contractor sustains injuries while fixing your snow plow
Your snow plow rolls over and causes injuries or property damage
General liability insurance provides protection if your snow removal business is responsible for the injuries or property damage of clients, independent contractors, members of the public, and other third parties. Snow plowing general liability insurance will take care of these costs:
Medical payments
Property damage reimbursement
Settlements
Defense costs
Court judgments
General liability insurance is very comprehensive. It doesn’t only include the function of public liability insurance for snow plowing but also other coverages. You can get these additional coverages from this:
Advertising Injury Coverage
Snow removal general liability insurance comes with advertising injury coverage. You get protection against libel, slander, and copyright infringement claims.
Rented Premises Liability Coverage
Your general liability insurance will have rented premises liability coverage. This will indemnify the landlord if the space you’re renting is damaged by fire.
General liability insurance for snow plowing provides $300,000 minimum coverage to each claim for bodily injury or property damage. The maximum amount of coverage you can get from the policy is $1 million-$2 million. Use the table above to compare the general liability insurance limits of the companies we recommend.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | Progressive | GEICO | |
|---|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 | $500 |
Professional liability insurance for snow removal companies grants coverage if your business is liable for committing negligence or oversights that resulted in the financial losses of affected parties.
Use this type of snow removal liability insurance to cover settlements, defense costs, and court judgments if a third party files a claim because:
You employed someone who lacks the training and experience to operate a snow plow
The snow was displaced ineffectively
Your snow removal company failed to complete the service on the time and date agreed in the contract
An employee forgot to do an anti-icing treatment after removing the snow
Your snow plowing company overbilled clients
You get professional liability insurance as a stand-alone policy. However, some sell this type of snowplowing insurance as an add-on to general liability insurance. Examples are Thimble and NEXT.
Professional liability insurance for snow plowing business provides a $1 million minimum coverage for each claim. Insurance companies cap the maximum amount of coverage you get from the policy at $2 million or $3 million. Use the table above to compare the professional liability insurance limits of companies we recommend.
Snow removal liability policies aren’t inexhaustible. If a lot of claims are filed, your general liability or professional liability insurance will run out of funds or can’t provide adequate coverage.
Solve this problem by getting commercial umbrella liability insurance. Umbrella liability insurance will cover the excess if your professional liability insurance or general liability insurance can’t provide adequate coverage for a claim.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Hiscox | Progressive | GEICO | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $25,000 | $25,000 | $15,000/$50,000 | $25,000/$100,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000 | $25,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | Included | Included | Included |
| Money and securities | Excluded | $2,500 | Included | Included | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | Excluded | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | Included | Included | Included |
Commercial property insurance is a snow removal insurance coverage for your business’s tangible assets. It covers the following perils:
Building Destruction
When your snow plow business’s office, garage, or warehouse gets destroyed by fire or extreme weather, commercial property insurance will provide the money you can use to pay for reconstruction. The amount of money you’ll receive will be equal to the depreciated or non-depreciated value of the covered property.
Building Damage
If your snow plow business’s office or warehouse only incurred damage due to fire, theft, extreme weather, and other covered perils, commercial property insurance will still help. This residential snow removal insurance will provide the money you can use to get damaged structures fixed - signage, siding, windows, glass panels, doors, roofing, and more.
Stocks And Contents Loss Or Damage
Commercial property insurance will recoup losses if office furniture and other valuable items inside the office, garage, or warehouse become damaged or lost due to fire, theft, vandalism, and other covered perils
Commercial property insurance can do more for you. This commercial snow insurance comes with additional policies namely:
Equipment And Tools Insurance
This additional commercial plow insurance will recover losses if your snow plow, angle broom, push brooms, V blades, and other light or heavy equipment become damaged or lost due to:
Operator error
Mechanical breakdown
Electrical shorts
Electrical surge
Business Interruption Insurance
Business interruption insurance is also included as an additional coverage in a commercial property policy. This commercial insurance for snow plowing kicks in when your business can’t generate income due to relocation, economic crisis, or renovation work and pays for mortgage, payroll, loans, taxes, and other operational costs.
Your snow plowing business can get $15,000 minimum building coverage from commercial property insurance. This snowplow insurance policy’s minimum contents coverage, on the other hand, is $10,000.Use the table above to compare the commercial property insurance limits of companies we recommend.
| CoverWallet | Thimble | NEXT (Best) | Hiscox | |
|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $25,000 | $25,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes |
You can bundle your general liability insurance and commercial property insurance. The result is a business owner’s policy. Get this if your snow plowing business is just starting to pick its pace.
So what makes a business owner’s policy advantageous? The cost of this snow plowing insurance is cheaper than when you buy general liability and commercial property insurance separately. Moreover, it’s easier to manage. Note that insurance companies have different eligibility criteria about who can or can’t get a business owner’s policy.
Use the table above to compare the business owner’s policy limits of companies we recommend.
Your snow removal company must cover the cost of cleanup if an employee made a mistake or an accident happened that results in the spillage of snow to properties. Moreover, salt and other anti-snow treatment contain harmful chemicals that may cause pollution.
Pollution liability insurance will take care of costs if your business causes pollution or spillage of sleet. You can use this type of snow removal insurance to:
Pay for debris cleanup services
Pollution containment and reversal services
Cover settlements, defense costs, and court judgments if third parties file a claim
Inland marine insurance is useful since employees are constantly carrying snow removal equipment from place to place. If equipment becomes lost or damaged during transit, this snow removal business insurance will reimburse financial losses. Common perils covered are:
Theft
Vehicular accidents
Employee error or negligence
Malicious mischief
Wind
Water damage
Mysterious disappearance
Commercial auto insurance is a coverage for the tractor truck, pickup truck, or dump truck used to provide snow plowing services. These are the coverages you can get from this policy:
Auto Liability Coverage
Auto liability coverage is always included in the commercial auto insurance of your business. This snow plow truck insurance coverage will take care of costs in the event of vehicular accidents, for example:
Your snow plow skids on the road and rams other vehicles
Due to wrongful operation, your snow plow crashes to houses and other buildings
The auto liability coverage of your commercial auto insurance must conform with state minimums. In most cases, you’ll need $25,000 per bodily injury coverage and $50,000 per property damage coverage from the policy.
Physical Damage Coverage
Commercial auto insurance for your business’s snow plow trucks comes with physical damage coverage. Physical damage coverage takes care of vehicle part repair or replacement. This plow truck insurance coverage is available as a collision policy or comprehensive policy.
Collision physical damage coverage takes care of repair or replacement expenses if your snow plow truck got damaged due to a vehicular crash. On the other hand, comprehensive physical damage coverage accounts for costs if fire, theft, vandalism, weather, and other perils damaged your snow plow truck.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage will fill the gap if your snow plow truck got involved in an accident, and the driver at fault can’t indemnify your losses because he or she isn’t insured or doesn’t have enough insurance.
Medical Payments/Personal Injury Protection Coverage
Medical payments and personal injury protection coverage take care of medical treatment expenses if you or other drivers of the snow plow truck sustain injuries due to a vehicular accident.
Workers' compensation insurance applies when your employee sustains an occupational disease or injury. Use this insurance when:
An employee gets involved in an auto accident while snow plowing
An employee slips and falls on ice and sustains cuts, fractures, or bruises
An employee gets frostbite while removing snow
An employee sustains lacerations and burns while repairing your business’s snow plow truck
In connection, your business can use workers' compensation insurance from snow plow insurance companies to take care of these expenses:
Employee Medical Costs
Upon sustaining a work-related injury or disease, your employee will need medical treatment/procedure. In this case, workers' compensation insurance helps you out by covering surgeries, therapies, etc.
Hospitalization
After a treatment/procedure, your employee might not be able to go home immediately as he or she will be advised to stay in the hospital for intensive care.
Workers' compensation insurance provides help in this situation. This snow plow insurance coverage will provide the money to be used for paying hospital bills.
Medication
Workers' compensation insurance also provides money your employee can use to buy medicines needed to fully heal from a work-related injury or disease.
Rehabilitation
Workers' compensation insurance covers the rehabilitative care of an employee who experiences vision, hearing, or locomotion impairment due a work-related injury or disease. It will pay for therapist fees, rehabilitation equipment, and other associated costs.
Lost Wages
Workers' compensation insurance covers lost wages if your snow plow business’s employee can’t come to work due to a work-related injury or disease.
This comes in the form of a weekly allowance equal to two-thirds or 67% of the average weekly wage. For example, if your employee makes $1,427 per week, the weekly allowance through workers comp will be $956.09.
Death Benefits
Workers' compensation insurance covers funeral expenses and provides financial aid to dependents if your snow plow business’s employee dies from a work-related injury or disease.
Employer’s liability insurance protects your snow plowing business against employee lawsuits. This type of snow clearing insurance is useful when an employee accuses you of employer negligence. These are the costs employer’s liability insurance takes care of on your behalf:
Settlements
Defense costs
Court judgments
Employer’s liability insurance is available as a stand-alone policy. However, most insurance companies offer this type of snow plowing insurance as part of workers' compensation policies.
The employer’s liability insurance for your business will have a $100,000 each employee bodily injury coverage, $100,000 each employee disease coverage, and a $500,000 overall limit. You can modify the limits of this snow plow business insurance to enjoy higher coverage.
The cost of a $1 million general liability insurance for snow plowing businesses is $550 per month or $6,600 per year. This is just an estimate of the snow plow insurance cost. Your rates can be different.
Insurance companies charge differently for snow plow insurance. That said, here’s a table that shows the average cost of snow plow insurance from the recommended carriers:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| Thimble | $350.77 | $4,209.24 | Snow plow businesses looking for short-term coverage |
| NEXT | $587.38 | $7,048.56 | Snow plow businesses looking for a discount when buying two or more coverages |
| CoverWallet | $829 | $9,948 | Snow removal insurance quotes comparison online |
| Tivly | $845 | $10,140 | Comparing snow plow insurance quotes over the phone |
| Hiscox | $850 | $10,200 | Snow plow businesses looking for worldwide coverage |
| Progressive | $900 | $10,800 | Comprehensive snow removal insurance coverage |
| Geico | $912 | $10,944 | Custom snow removal insurance packages |
| State Farm | State Farm doesn’t provide information on how much its general liability insurance for snow plow businesses is. Find an agent for accurate pricing | State Farm doesn’t provide information on how much its general liability insurance for snow plow businesses is. Find an agent for accurate pricing | Small snow removal businesses |
Get cheap snow plow insurance by comparing quotes. Look at the offers of carriers and see which one offers the best coverage at a reasonable price. Start by clicking the “Get Quotes” button on this page.
There are many factors that affect snow plowing insurance cost. Insurance companies consider these when determining your rates:
Business History
Insurance rates for snow removal depend on how long you’ve been in business. Expect affordable premiums if your snow plowing company has been providing services for 5 years or more.
Claims History
Claims history pertains to how many times you used insurance in the past to cover a claim or loss. The snow removal insurance cost is cheap if your business didn’t make any general liability, commercial property, or workers' compensation insurance claims in the past.
Location
Some locations are more prone to specific perils. And so, location is an important factor in determining insurance rates for snow removal.
Commercial Driving License and Snow Removal Certifications
Insurance companies will ask if you and your employees have a commercial driving license and has adequate training in snow removal. There will be a cheaper snow removal insurance cost if you have these.
Revenue
The average cost of snow plow insurance is also dependent on revenues. Having a higher income is tantamount to having higher insurance rates and vice versa. Generating a lot of revenue means that your business’s activity is bustling and has a higher prevalence of accidents and claims.
Premiums are expensive. But still, insurance companies allow you to reduce snow plowing insurance cost by:
Paying Higher Deductibles
A deductible is the amount of insurance money you give to snow removal insurance companies once they approve a claim. Deductibles can be $0, $500, $1,000, $1,500, and so on. If you get a $1,000-$2,500 deductible, then expect the snow plow insurance cost to be cheaper.
Availing Discounts
Insurance companies will give discounts. You can avail this in different ways. The first one we recommend you to do is to get two or more types of insurance for snow removal contractors, which result in 5%-10% lesser premiums.
Don’t forget safe driving discounts. Insurance companies will reduce the premiums of commercial auto insurance by up to 15% if your business didn’t cause or get involved in vehicular accidents.
Get all the best quotes from leading providers in a click of a button!
These are the best snow removal insurance companies. Read to know their pros, cons, and rate for a $1 million general liability coverage.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance
Great customer service and reputation
Outstanding value for money
Bundle two or more policies and get a 10% discount
Couldn’t find any
NEXT snow plow insurance allows you to enjoy the protection provided by general liability, professional liability, commercial auto, tools and equipment, and commercial property insurance. Include two or more insurance products in your policy and you’ll enjoy a 10% discount. NEXT allows you to add additional insureds and get a certificate of insurance for free.
Best for: Best overall; Fastest general liability insurance for snow plow businesses
Average cost: $587.38 per month for a $1 million general liability coverage
Our rating: 10/10
No hidden charges
Add additional insureds for free
Get certificates of insurance for free
Policy cancellation takes 30 days
CoverWallet is an insurance broker with an online quotes comparison platform you can use to find companies offering tailored coverage for snow removal businesses. But note that this company also sells snow removal insurance made up of the offers of its partners.
Snow removal insurance from CoverWallet provides four options - general liability only, general liability with commercial property insurance, business owner’s policy with workers comp, and a custom plan.
Work with CoverWallet to enjoy streamlined insurance processes. Pay monthly or annual premiums online. Add additional insureds and get a certificate of insurance the same way. Also, there’s no stopping you from canceling an insurance policy anytime.
Best for: Snow removal insurance quotes comparison online
Average cost: $829 per month for a $1 million general liability coverage
Our rating: 10/10
Call and compare snow plow insurance quotes over the phone
Responsive customer service
Can refer you to partners if you're not a match
You have to call to get a quote
Tivly (formerly CommercialInsurance.NET) sells general liability insurance, commercial property insurance, disability insurance performance bonds, and other business insurance solutions to snow plow contractors.
Call Tivly now and compare snow plow insurance quotes over the phone with the help of a representative.
Best for: Comparing snow plow insurance quotes over the phone
Average cost: $845 per month
Our rating: 10/10
Worldwide coverage
Generous policy limits on its liability insurance policies
You need to call to get other insurance policies
Hiscox’s snow plow insurance offers cyber liability insurance to snow removal contractors. The policy provides $250,000 coverage for data breach claims. Try calling this company’s representatives to get other insurance policies.
Best for: Snow plow businesses looking for worldwide coverage
Average cost: $850 per month for a general liability coverage
Our rating: 10/10
Get a discount if you already have a Progressive commercial auto insurance
Offers seasonal comprehensive coverage
Simple online quote process
Progressive offers general liability insurance for snow businesses through its partners
Progressive is true to its name in that they’re one of the most innovative insurance carriers in the United States. It’s one of the first insurers to start doing business over the internet, and they’ve kept up with the mobile device revolution by always ensuring that its site and apps are always up to par. The two basic forms of coverage included in this company’s insurance for snow plow business are commercial auto and general liability insurance, but you can also bundle in workers’ comp if needed.
Best for: Comprehensive snow removal insurance coverage
Average cost: $900 per month for a $1 million general liability coverage
Our rating: 10/10
Short-term snow plow insurance
Quick to issue an estimate of your rates
General liability insurance comes with business equipment coverage
Doesn’t include commercial auto insurance in its tailored insurance policy for snow plow businesses
Thimble’s snow plow insurance is sold as general liability and commercial property insurance policy available as a short-term coverage by the hour, days, weeks, or months.
The estimate of your rates is given quickly online. All you have to do is tell Thimble the specifics of your snow plow business, then it will provide an estimate of your premiums and policy limits.
Best for: Snow plow businesses looking for short-term coverage
Average cost: $350.77 per month for a $1 million general liability coverage
Our rating: 9/10
Offers both commercial auto insurance and liability coverage
Easy quote process
Good customer service
Snow plow workers' compensation insurance is underwritten by Berkshire Hathaway
Geico is one of the better-known insurers due to their commercials featuring their well-known gecko mascot. The company has been around since 1936, and it was founded as the Government Employees Insurance Company. Geico specializes in auto insurance, but they also offer business insurance products.
Geico’s commercial snow plow insurance offers general liability, commercial property, workers' compensation, and commercial auto policies. Note that your worker's compensation insurance from this company is underwritten by Berkshire Hathaway.
Best for: Custom snow removal insurance packages
Average cost: $912 per month for a $1 million general liability coverage
Our rating: 8/10
Customizable policies
Used to working with small businesses
Available in all 50 states
Relatively expensive
State Farm is one of the largest insurance companies in the United States, and it has been in business for 80 years. The company is known for only working with agents, meaning they can only sell State Farm insurance and that they’re the only ones qualified to sell the company’s products.
Much like Geico, State Farm doesn’t have a specific commercial snow removal insurance plan. Instead, you have to get coverage through their business insurance program that contains both commercial auto insurance as well as commercial liability policies. They also offer optional BOPs and workers’ compensation policies.
Best for: Small snow removal businesses
Average cost: State Farm doesn’t provide information on how much its general liability insurance for snow plow businesses is. Find an agent for accurate pricing
Our rating: 7/10
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Very good experience
Terrific experience with their construction business insurance! 10/10! Thank you!
Not all those who wander are lost.
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