Don’t Get Snowed Over: Why Snow Removal Professionals Need General Liability Insurance
January 15, 2015
The winter months are when snow removal professionals can build up their bank in the cold months helping businesses and home owners keep their properties clear and accessible. The risks associated with this kind of work are both obvious and hidden. Sure, you’re aware of the risks of injury that comes with trudging through waist-deep snow and climbing up ladders, and you know that the heavy machinery you use to clear out snow that at clients’ properties could break down and need repair. But you may not be as aware of the liability insurance you need to protect your business. General liability insurance, also know as commercial liability coverage, protects your business from third party claims for bodily injury, associated medical costs, and damage to someone else’s property, picking up potential expenses that your small business may not be able to pay out of pocket. What are some specific examples of how a snow removal business could benefit from general liability insurance?
- Bodily Injury:A business hires you to clear their large parking lot every day that it snows two inches or more. One of their employees trips over one of your shovels and badly sprains their ankle, leaving you legally liable for the cost of treating the injury.
- Property damage:While on site at a private home owner client’s residence one of your employees accidentally throws a shovelful of snow towards an exterior window of the house, breaking the window and causes a mess inside. Your GL policy covers the subsequent claim, up to your limits of liability.
As you can see, snow removal professionals need general liability protection in the event an event like those above happens. Don’t take the chance; get a fast free quote for general liability coverage today!