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

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Table of contents

1. Snow Plow Liability Insurance1.1. Additional Coverages Your Snow Plow Business Can Get From General Liability Insurance1.2. Limits of General Liability Insurance 2. Professional Liability Insurance for Snow Removal Companies2.1. Limits Of Professional Liability Insurance for Snow Plowing Businesses3. Commercial Umbrella Liability Insurance for Snow Plowing Companies 4. Commercial Property Insurance for Snow Plowing Businesses4.1. Additional Coverages You Can Get From Commercial Property Insurance 4.2. Limit of Commercial Property Insurance for Snow Plowing Businesses5. Snow Removal Pollution Liability Insurance6. Snow Removal Inland Marine Insurance7. Commercial Auto Insurance for Snow Plow Trucks 8. Workers Compensation Insurance for Snow Plowing Businesses 9. Employer’s Liability Insurance for Snow Plowing Businesses 9.1. Employer’s Liability Insurance Limits10. Snow Plow Insurance Cost10.1. Factors That Affect The Cost Of Snow Plow Insurance10.2. How To Reduce Snow Plowing Insurance Cost?11. Best Snow Removal Insurance Companies11.1. NEXT Snow Plowing Insurance 11.1.1. Pros11.1.2. Cons11.2. CoverWallet Snow Plow Insurance 11.2.1. Pros11.2.2. Cons11.3. CommercialInsurance.Net Snow Plow Insurance 11.3.1. Pros11.3.2. Cons11.4. Hiscox Snow Plow Insurance 11.4.1. Pros11.4.2. Cons11.5. Progressive Snow Plow Insurance 11.5.1. Pros11.5.2. Cons11.6. Thimble Snow Removal Insurance 11.6.1. Pros11.6.2. Cons11.7. Geico Snow Plow Insurance 11.7.1. Pros11.7.2. Cons11.8. State Farm Snow Plow Insurance 11.8.1. Pros11.8.2. Cons

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:

Snow Plow Liability Insurance

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


Additional Coverages Your Snow Plow Business Can Get From General Liability Insurance

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.


Limits of General Liability Insurance 

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. 


Professional Liability Insurance for Snow Removal Companies

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. 


Limits Of Professional Liability Insurance for Snow Plowing Businesses

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. 


Commercial Umbrella Liability Insurance for Snow Plowing Companies 

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. 

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Commercial Property Insurance for Snow Plowing Businesses

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 


Additional Coverages You Can Get From Commercial Property Insurance 

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. 


Limit of Commercial Property Insurance for Snow Plowing Businesses

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. 


Snow Removal Pollution Liability Insurance

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


Snow Removal Inland Marine Insurance

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 for Snow Plow Trucks 

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 for Snow Plowing Businesses 

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 for Snow Plowing Businesses 

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. 


Employer’s Liability Insurance Limits

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.

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Snow Plow Insurance Cost

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 MonthCost per YearBest for
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
CoverWallet$829$9,948Snow removal insurance quotes comparison online
CommercialInsurance.Net$845$10,140Comparing snow plow insurance quotes over the phone
Hiscox$850$10,200Snow plow businesses looking for worldwide coverage
Progressive$900$10,800Comprehensive snow removal insurance coverage
Geico$912$10,944Custom snow removal insurance packages
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


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.


Factors That Affect The Cost Of Snow Plow Insurance

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.


How To Reduce Snow Plowing Insurance Cost?

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.

Compare Snow Removal Business Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

Best Snow Removal Insurance Companies

These are the best snow removal insurance companies. Read to know their pros, cons, and rate for a $1 million general liability coverage.


NEXT Snow Plowing Insurance

Pros

  • 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 

Cons

  • 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


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


CommercialInsurance.Net Snow Plow Insurance

Pros

  • Call and compare snow plow insurance quotes over the phone

  • Responsive customer service

  • Can refer you to partners if you're not a match

Cons

  • You have to call to get a quote

CommercialInsurance.net sells general liability insurance, commercial property insurance, disability insurance performance bonds, and other business insurance solutions to snow plow contractors. 

Call Commercial Insurance.Net 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


Hiscox Snow Plow Insurance

Pros

  • Worldwide coverage

  • Generous policy limits on its liability insurance policies

Cons

  • 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


Progressive Snow Plow Insurance

Pros

  • Get a discount if you already have a Progressive commercial auto insurance

  • 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 insurance coverage

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

Our rating: 10/10


Thimble Snow Removal Insurance

Pros

  • Short-term snow plow insurance

  • Quick to issue an estimate of your rates

  • General liability insurance comes with business equipment coverage

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, 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


Geico Snow Plow Insurance

Pros

  • Offers both commercial auto insurance and liability coverage

  • Easy quote process

  • Good customer service

Cons

  • 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


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 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




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