New Jersey (NJ) Snow Plowing Insurance (2010-2011)

If you SNOW PLOW in the winter then you need SNOWPLOWING general liability insurance.  The Franchino Agency specializes in insurance for New Jersey Contractors, especially LANDSCAPERS, LANDSCAPE CONTRACTORS, EXCAVATORS, MASONS or anyone who does SNOWPLOWING IN THE WINTER. 

We can write the general liability for SNOWPLOWING as a stand-alone policy or in conjunction with the general liability with your contracting business.

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PLEASE NOTE: Vehicles used for snow plowing MUST have Commercial Auto insurance.  (personal policies exclude coverage)  The liability limits on the commercial auto policy must be equal or greater than the liability limits on the snowplowing policy.  Please call us if you need commercial auto insurance.

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Offer #1

We can write a stand-along liability policy for snowplowing only.  The prices below are per vehicle.

• 1 million occurrence / 2 million aggregate is: $1,462.50
• 1 million occurrence / 1 million aggregate is: $1,200.
• $500,000. occurrence / $500,000. aggregate is: $937.50
• $300,000. occurrence / $300,000. aggregate is: $885.

Stand alone policies run from October 31, 2010 to April 30, 2011.  They must be paid in full (no financing) and there is no refund if the policy is cancelled.  There is a 24 hour waiting period before coverage can be bound.

Coverage is for residential / private driveways, private roads, small aparment and store complexes.  No large parking lots such as malls or large office sites such as a Mack-Cali office site.  The type of vehicle allowed is a truck with a plow on the front.  NO backhoe or grader types.  If you have a vehicle type other than a "standard" snowplow on a truck, give us a call.  There's other ways of providing the coverage.  All drivers must be listed.

Commercial auto insurance must be in force in order to purchase this coverage.  We write commercial auto at very good rates.

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Offer #2

The prices below are charges for snowplow coverage added to a contractors package policy / general liability.  The prices are a flat charge.  Unlimited number of vehicles can be used.  1, 2, 5, 10 vehicles, etc.

We must write your usual business operations such as landscaping, paving, etc.

$500,000. occurrence / 1 million aggregate liability limits

• $1,030. for residential driveways
• $1,675. for commercial (no streets) & residential
• $3,325. for public streets, (also, commercial & residential)

$1,000,000. occurrence / 3 million aggregate liability limits

• $1,200. for residential driveways
• $1,950. for commercial (no streets) & residential
• $3,900. for public streets, (also, commercial & residential)

Snowplow insurance protects the contractor if someone slips on the ice or snow and blames that the snowplowing contractor didn't do a good job contributing to the fall.

If a vehicle while snowplowing hits another vehicle, hits a building, or hits a person then the commercial vehicle insurance provides coverage.  (There is usually an exclusion on personal auto policies excluding vehicles used in business)

Workers Compensation

If you hire employees (helpers are employees!) to help out you need workers compensation insurance.  Here are some rate examples:

• $10,000. annual payroll --- $1,387.
• $30,000. annual payroll --- $3,552.
• $60,000. annual payroll --- $6,883.

This agency currently insures many contractors in New Jersey. We can provide General Liability alone or in a package format that includes tool coverage, equipment, supplies, installation floaters, commercial automobile, commercial umbrella, etc.

Don't forget we can provide coverage for your commercial trucks, snowblowers, snowplows,  lawnmowers, contractors equipment, trailers, tools, skid steers, etc.

Learn about the NJ HOME IMPROVEMENT CONTRACTOR REGISTRATION LAW

Learn more about LIABILITY INSURANCE FOR CONTRACTORS

Get a quotation: Go to our LANDSCAPE - LAWN IMPROVEMENT CONTRACTOR SURVEY FORM, complete it, then fax it to us for a no-obligation quotation.