Insurance for Snow and Ice Removal Businesses

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Save money by comparing snow removal business insurance quotes

Damaging a parked car while plowing or having your work vehicle stolen can cost your snow removal business time and money. Shield it with contractor insurance designed for your unique risks.

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Compare multiple quotes with one application

Insureon helps snow removal companies compare insurance quotes from top U.S. carriers online. It’s free, and only takes 15 minutes.

What types of insurance do snow and ice 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.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for snow and ice removal businesses that have employees. It can cover medical bills for work-related injuries.

BEST FOR
  • 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.

BEST FOR
  • 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.

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

How much does insurance cost for snow and ice removal businesses?

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

  • Snow and ice removal services offered, such as snow plowing
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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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, accidental damage to client property, and more.

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