Business Insurance for Snow Plowing and Ice Removal

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Snow Plowing/Ice Removal
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Accidental damage to a parked car or theft of a work vehicle can cost your snow removal business time and money. Protect your livelihood with contractor insurance designed for your unique risks.

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Compare multiple quotes with one application

Insureon helps snow plow and ice removal companies compare quotes from top U.S. insurers online. Fill out one application to get multiple quotes.

What types of insurance do snow removal contractors need?

These policies provide coverage for common snow and ice removal risks.

General liability insurance icon

General liability insurance

This policy covers basic snow and ice removal risks, such as property damage caused by your snow plow. Bundle with property insurance for savings in a business owner's policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers third-party injuries and property damage caused by snow plows, as well as repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • 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 if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do snow and ice removal businesses need insurance?

As a snow and ice removal contractor, your work involves extreme weather and dangerous driving conditions. Snow removal insurance can help cover the costs of company vehicle accidents, stolen snow blowers, lawsuits, and property damage. It also helps you meet the requirements of contracts and state laws.

How much does insurance cost for construction businesses?

Man in construction vest and helmet calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Services offered, such as residential or commercial
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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Snow Plowing/Ice Removal