Business Insurance for Snow Plows and Ice Removal

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Snow Plowing/Ice Removal
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Why do snow and ice removal businesses need insurance?

Your work involves extreme weather and dangerous driving conditions. Snow removal business insurance can help cover the cost of vehicle accidents, stolen equipment, and accidental damage to fences and parked cars. It also helps you fulfill the requirements of contracts and state laws.

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Get same-day insurance

With Insureon, snow removal companies can get coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated insurance companies.

What types of insurance do snow removal contractors need?

These insurance policies cover the most common risks of snow removal.

General liability insurance icon

General liability insurance

General liability coverage helps pay for legal costs from damage caused by your snow plow. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Defamation and other personal injuries
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp insurance for snow plow businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

A commercial auto insurance policy covers the cost of bodily injuries and property damage caused by a snow plow. Each state has its own requirements for auto coverage.

BEST FOR
  • Physical damage caused by a snow plow
  • Medical costs from an auto accident
  • Vehicle vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of snow blowers, ice scrapers, salt spreaders, and other tools. It's a type of inland marine insurance.

BEST FOR
  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Professional liability insurance icon

Professional liability insurance

Professional liability insurance covers legal costs when a snow removal company is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).

BEST FOR
  • Accusations of negligence
  • Failure to finish a project on time
  • Undelivered services
Looking for different coverage? See more policies.

How much does construction and contracting insurance cost?

Man in construction vest and helmet calculating insurance costs.

A small business with a few workers will pay less for insurance than a large company.

Factors that affect premiums include:

  • Construction and contracting services offered
  • Business property and equipment
  • Business income
  • Types of small business insurance coverage
  • Policy limits and deductibles
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How do I get snow removal insurance?

It's easy to get snow plow insurance and other types of coverage if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Our licensed insurance agents work with top-rated U.S. providers to find the right coverage for your snow removal service, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
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Snow Plowing/Ice Removal