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Snow Plow Insurance & Snow Removal Insurance: Cost & Quotes From $11

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Working with heavy machinery has some inherent hazards. Whether you’re dealing with a dump truck, bulldozer, forkliftexcavator, you have to take special care not to make any mistakes unless you want to end up being held liable for property damage, or even worse, bodily injuries to others. The same also goes for using a snow plow as a source of income.  If you want to prevent losses due to risks, you can always get your hands on a business insurance policy that will cover your operation in case the worst happens. 


In today’s guide, we’re going to focus on snow plow insurance.  Snow plow coverage isn’t a single insurance product. In truth, it is composed of different types of business insurance products available. We’ll discuss the cost of insurance for snow removal contractors as well as some of the best snow removal insurance companies in America.

Snow Plow Liability Insurance

If you’re looking for snow removal insurance, then you probably want liability coverage because it covers you in the most financially damaging situations. Liability insurance is the first - and perhaps - the most common inclusion in tailored snow plow insurance. 


There are several types of snow removal liability insurance. Each caters to a particular claim filed. The following are common liability coverage you should consider getting:


Snow Plow General Liability Insurance

You might run someone over while using a snow plow. As a result, the person will sustain bodily injuries or property damage.  General liability insurance protects you if a claim is filed by covering the following:

  • Third-party personal injuries - If the person files a claim and ask you to take care of his injuries, general liability insurance provides the money you can use to cover medical expenses 

  • Third-party property damage - General liability insurance provides the money you need for reimbursements if the person, who your snow plow ran over, had his personal effects destroyed

  • Legal expenses - If the personal injury claim or property damage claim has to be settled in court, general liability insurance will cover attorney fees, administrative costs, settlements, and other legal expenses so that you don’t have to spend on anything 


General liability insurance for snow plowing will cover any third parties that come into contact with your snow plow business. From vendors, business partners, clients, and visitors, it provides $1 million up to $2 million as coverage for the perils mentioned above. The individuals who are not covered by this snow removal business insurance include part-time employees, full-time employees, and contractors. Claims from these individuals are covered by employer’s liability insurance and employment practices liability insurance. 


Snow removal general liability insurance is a very comprehensive insurance policy. While its basic function is to cover personal injury claims and property damage claims, this type of snowplow insurance offers optional policies that cover other claims third parties file. Such optional policies are:

  • Advertising injury coverage - If a third party sues your business for false advertising, copyright infringement, or other types of reputational or advertising harm, advertising injury coverage will cover attorney fees, compensatory payments, administrative costs, and other legal expenses

  • Rented premises liability coverage - Rented premises liability coverage is useful if you’re renting a commercial space for your business. This optional snow plowing insurance will cover reimbursements if the rented commercial space is destroyed or damaged by fire due to your fault 

  • Products and completed operations coverage - This optional snowplowing insurance will cover expenses if a completed snow plowing service caused property damage or personal injuries and the aggrieved third party decides to file a claim only until much later on


Public Liability Insurance for Snow Removal Companies

Consider getting this type of snow plow insurance coverage if the protection general liability insurance provides for your business is too much. Public liability insurance is cheaper because it only caters to personal injuries and property damage claims third parties file. This one doesn’t offer advertising injury coverage, products and completed operations coverage, and rented premises liability coverage. 


Professional Liability Insurance for Snow Removal Business

A client can file a claim against your business citing negligence while providing a service. This peril isn’t covered by general liability insurance. That’s why you need to get another type of snow removal liability coverage - professional liability insurance. 


Professional liability insurance will cover expenses if errors and omissions your business committed resulted in financial losses for a client and the client sues to recover. Particular perils covered by this commercial insurance for snow plowing are:

  • Negligence

  • Misrepresentation

  • Violation of good faith

  • Violation of fair dealing

  • Other acts considered errors and omissions 


Snow plowing general liability insurance and professional liability insurance can be considered complementary coverages. Meaning one covers the exclusions of the other. With that said, by having both types of snow clearing insurance, you get very comprehensive protection against third-party claims. 


Snow plow insurance policies aren’t only restricted to general liability insurance, professional liability insurance, and public liability insurance.  There are others that are equally useful. Let's discuss what these are in the following sections. 

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Commercial Property Insurance for Snow Plowing Business

Commercial property insurance is a snow removal insurance coverage meant to protect your business’s tangible assets. Mainly, it covers the following perils:

  • Building destruction - When your snow plow business’s office 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


Note that commercial property insurance can do more for you. This commercial snow insurance has optional policies namely:

  • Stocks and contents coverage - Stocks and contents coverage will recoup losses if office furniture and other valuable items inside the office or warehouse become damaged or lost due to fire, theft, vandalism, and other covered perils 

  • Business equipment and tools coverage - This optional commercial plow insurance will recover losses if business equipment and tools become damaged due to fire, theft, vandalism, and other covered perils


Car Insurance in Snow Plow Business

Insure the vehicles you install with a snow plow to provide a service. Do so with commercial auto insurance. Commercial auto insurance provides the following protections:

  • Auto liability coverage - Your commercial vehicle might experience defects and cause an accident. If there are injured third parties or damaged properties, expect your business to be responsible for expenses. This is why there’s auto liability coverage in commercial auto insurance as a primary protection. What this does is cover the medical expenses of injured third parties and pay the custodian or owner of properties that got damaged

  • Physical damage coverage - Physical damage coverage comes in two types - collision and comprehensive. When your commercial vehicle collides with an object or another vehicle and incurs damage, collision physical damage coverage provides the money you can use for parts repair or replacement. On the other hand, comprehensive physical damage coverage will take care of parts repair or replacement costs if your snow plow is damaged by fire, theft, vandalism, and other covered perils. Note that both types of snow plow truck insurance coverage doesn’t cover aftermarket parts 


Workers Compensation Insurance for Snow Plow Business 

Your snow plow business won’t run without employees. If there are employees, it ultimately follows that you get workers' compensation insurance for them. Do otherwise and it will be hard to maintain talent. What’s worse is that you’ll face stiff penalties if authorities find out that there’s no workers comp coverage in place. 


Workers' compensation insurance applies when employees or at least an employee suffers from a work-related injury or disease.  Snow plow insurance companies design their worker's comp insurance to cover the following:

  • Medical treatment/procedure - 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. It 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 will not leave an employee helpless who suffered from impairment after experiencing a work-related injury or disease. Know that this insurance policy covers rehabilitative care. It will pay for therapist fees, rehabilitation equipment, and other associated costs 

  • Lost income compensation - 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, 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 

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Snow Plow Insurance Cost

Snow plow insurance cost is about $550 per month or $6,600 per year for a general liability insurance policy providing $1 million coverage.

 

However, your rates will be much different. Individual snow plowing insurance cost depends on a variety of factors that a carrier will review before giving you a quote.  These factors are: 

  • Business size

  • Claims history

  • Business experience

  • Location

  • Number of employees

 

Also, note that aside from the above-mentioned factors. Your choice of carrier will also determine the average cost of snow plow insurance. That said, it will be smart for you to compare quotes and compare the insurance rates for snow removal as implemented by different carriers. We suggest doing so here. Click the “Get Quotes” button on this page and see the offers and pricing of different snow plow insurance companies so that you know which offer cheap snow plow insurance.  


For more understanding of snow removal insurance cost, we suggest you take a look at this table showing the pricing of the best snow plow insurance companies:


Cost per MonthCost per YearBest for
Hiscox$23.15$277.80Snow plow businesses looking for worldwide coverage
Thimble$350.77$4,209.24Snow plow businesses looking for short-term coverage
NEXT$587.38$7,048.56Snow plow businesses looking for a discount when buying two or more coverages
Geico$612$7,344Custom snow removal business insurance packages
CoverWallet$829$9,948Snow removal insurance quotes comparison online
State FarmState Farm doesn’t provide information on how much its general liability insurance for snow plow businesses is. Find an agent for accurate pricingState Farm doesn’t provide information on how much its general liability insurance for snow plow businesses is. Find an agent for accurate pricingSmall snow removal businesses
Progressive$900$10,800Comprehensive snow removal business insurance coverage

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Best Snow Removal Insurance Companies

We’re now going to take a look at some of the best snow plow business insurance carriers. Working with an insurer that’s qualified and experienced when dealing with snow removal businesses will ensure that you get better customer service and will also affect the speed with which they respond to your claims. Read to know their pros cons, and rate for a $1 million general liability coverage or other insurance products. 


CoverWallet Snow Plow Insurance


Pros

  • No hidden charges

  • Add additional insureds for free

  • Get certificates of insurance for free

Cons

  • 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


Thimble Snow Removal Insurance 


Pros

  • Short-term snow plow insurance

  • Get insured in less than 60 seconds 

Cons

  • 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. Note that additional protection is available as stand-alone policies such as workers compensation insurance and business interruption insurance


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


NEXT Snow Plowing Insurance


Pros

  • Live certificate of insurance

  • Add additional insureds for free

  • Responsive agents and customer support 

Cons

  • Some customers report that NEXT increased their rates without notice 


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. Also, just like CoverWallet, NEXT allows you to add additional insureds and get a certificate of insurance for free. 


Best for: Snow plow businesses looking for a discount when buying two or more coverages

Average cost: $587.38 per month for a $1 million general liability coverage 

Our rating: 10/10


Hiscox Snow Plow Insurance


Pros

  • Worldwide coverage

  • Generous policy limits on its liability insurance policies

Cons

  • Doesn’t include commercial property insurance and other useful coverage in its tailored coverage for snow plow businesses 


Hiscox’s snow plow insurance offers general liability insurance and cyber liability insurance. Policy limits start at $1 million - $2 million but note that you’re eligible for a $3 million - $5 million coverage if certain conditions are met. While it doesn’t state the average price of its general liability insurance for snow plow businesses, Hiscox is clear that its cyber liability coverage starts at only $23.15 per month. 


Best for: Snow plow businesses looking for worldwide coverage

Average cost: $23.15 per month for a cyber liability coverage 

Our rating: 10/10


Geico Snow Plow Insurance


Pros

  • Offers both commercial auto insurance and liability coverage

  • Easy quote process

  • Good customer service

Cons

  • Provides coverage for snow plow businesses through Commercial Insurance Center 


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 doesn’t have a specific commercial snow plow insurance policy, but they offer both general liability and commercial auto coverage, which are the most common forms of insurance needed by snow plow businesses. Keep in mind that Geico’s commercial auto insurance policy doesn’t cover unattached tools in the vehicle.


Best for: Custom snow removal business insurance packages

Average cost: $612 per month for a $1 million general liability coverage 

Our rating: 8/10


State Farm Snow Plow Insurance


Pros

  • Customizable policies

  • Used to working with small businesses

  • Available in all 50 states

Cons

  • Relatively expensive


State Farm is one of the largest insurance companies in the United States, and it has been in business for nearly 100 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 policy. 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’ comp.


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


Progressive Snow Plow Insurance


Pros

  • Specific policy for snow plows

  • Offers seasonal comprehensive coverage

  • Simple online quote process

Cons

  • 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 business insurance coverage

Average cost: $900 per month for a $1 million general liability coverage 

Our rating: 10/10


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