Snow removal insurance protects your plowing small business
Snow removal companies have been busy all across the country this winter, trying to keep roads, driveways and walkways clear and dry. It’s a challenging business – you may be out plowing for hours on end, yet the snow seems to come down faster than you can clear it. You don’t need another thing to worry about, but what happens if one of your plows damages someone’s property, or, worse, injures someone? You need general liability insurance tailored to your snow removal small business.
What can be covered:
Snow removal can be a risky business, and your insurance policy should be tailored to those specific risks. Here are some examples of scenarios that could be covered by snow plowing liability insurance:
Your company is hired to provide snow removal at a large private home. The home has a long, wide driveway with what appears to be small plantings along the sides. Your plow inadvertently plows a little too wide, destroying almost half of the plantings. It turns out that the plans were rare shrubs that the homeowner paid a considerable amount of money for, and they expect you to replace them.
While you are plowing a sidewalk with a snow blower, a rock gets picked up and ejected through the blower chute. It strikes a child who is playing in the adjacent yard. You are liable for the injury, including the child’s medical costs.
You plow the parking lot of a medical center after a very bad storm. The center opens the following day, but the driveway is still slippery. A patient slips and falls on the sidewalk, breaking a hip. The facility holds you responsible for their medical expenses, including surgery and a stay in rehab.
Actions of Your Full-Time Employees and Temporary Staff
One of your employees is clearing the walkway in front of a retail strip mail. A chunk of ice is ejected by the snow blower and hits a large plate glass window in the front of one of the stores. You have to pay to replace the window.
In any of these situations, you could be covered by snow removal liability insurance, which would pay these costs for you. It covers bodily injury and property damage caused to others, regardless of whether it was cause by you, an employee, or even a temporary or seasonal contractor.
Snow plowing insurance isn’t complicated and it doesn’t have to be expensive. Get a fast, free quote now and get that Hiscox confidence behind your snow removal business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET. Your snow removal business could be covered today.