Snow Removal – Snow Plowing Insurance
For New Jersey, NJ, and Pennsylvania, PA
Our program is now closed for the 2018-2019 season
Our only program for the 18-19 Snow Removal Season is for the small operation landscaper, or similar operation, (excavation, paving, masons) who does snow removal operations on an incidental basis. Incidental means no more than 15% of your annual receipts can come from the snow removal operations. Only small residential & commercial properties. NO large properties such as a Walmart sized lot, hospitals, day-care centers, senior housing, or public streets. We MUST write your general liability for the entire year. The policy that will be issued includes your “regular” landscape operations and snow removal. Prices start at $2,200. for a 1 to 4 person operation. No claims in the last 3 years. Please complete the application below.
Complete the application for a no-obligation quote. When you receive the quotation and want to purchase insurance you MUST supply us with a copy of your current insurance policies. General liability / package, commercial auto, workers compensation, etc. and list of all drivers. After writing, we will also need documentation that you have actually cancelled your current general liability policy.
GET A NO-OBLIGATION QUOTATION
If you would like a quotation you MUST supply us with the following: Scan and email the documents to email@example.com
- 5 years loss runs showing no or minor claims
- List of locations to be plowed, including property owner, type of property, exact street address
- Copy of your copy of this year’s contract with your customers
- Copy of all of last year’s contracts with your customers
WHAT IS SNOW REMOVAL INSURANCE?
Snow removal insurance is NOT commercial auto insurance!
Snow removal insurance or snow plowing insurance is general liability (GL) insurance that provides coverage for bodily injury and property damage. General liability (GL) policies usually have two parts:
1) Premises and operations means injuries to people or property damage caused by the contractor while performing the operations of the business. In this case, snow removal.
Coverage example 1: While using a snowblower a rock or lump of snow is thrown and hits a person causing injury.
Coverage example #2: While driving a truck snowplowing it hits a parked car. This is NOT snow removal general liability insurance. This is commercial automobile insurance. Note* Commercial automobile, NOT personal automobile insurance must be carried on the vehicles.
2) Completed operations means something happens after the job is completed.
Coverage example #3 (completed operations) After snowplowing a person slips on the ice injuring oneself. They sue four months later after learning they have a slipped disk. Coverage is provided under the GL.
Snow plowing insurance is mostly completed operations insurance. Which means after a job is finished someone slips on the ice and gets injured and sues. The insurance company will defend and pay for the injuries if the snow-plower is negligent. Many of the lawsuits are filed many months after the snow is melted therefore the insurance company has no way to dismiss or defend against the lawsuit. That’s why the cost of snow removal insurance is so high.