Keep Your Business Safe with the Best Snow Plowing Insurance
We offer a specialized insurance policy for snow plow and salt removers, whether it’s attached to your pickup truck, ATV, or is a commercial snowplow.
As independent agents, we have our insurance policies written through some of the top-rated insurance companies in the industry specializing in small business insurance and commercial auto coverage, which work to help you with your insurance policy claims quickly and fairly.
How Much is the Cost of Snow Plow Insurance
Every business is unique, and each small business requires different business insurance policy to cover them from hazards. Business owners may own a snowplow fastened to their truck or a fleet of snowplows. The cost of your business insurance for snow depends on certain factors, such as:
- how many trucks you need to insure
- the size, model, age, and condition of your truck
- driving history and record of your driver or anyone operating your truck
- annual routes and insurance for the cover
Ask assistance from your insurance agent and get a free quote now from an insurance company online.
Things to Know About Snow Removal Business Insurance
The winter season is here! Aside from the cold weather, snow and ice are piling up, and entrepreneurs start to pull out their shovels. If you are planning to start a snow removal business, you need to have snow plow insurance. Remember these important things that you have to keep in mind in setting up your company.
1. Landscaping insurance doesn’t cover snow removal insurance
Even if you have acquired landscaping insurance for your enterprise, you have to secure protection for your snow removal business. You have different risks in winter and summer, warm weather water vs. temperature fluctuations and snow. If you are considering insurance coverage, treat snow removal services as separate business.
2. Every snow business is different
When you apply for snow removal insurance coverage, you must specify your business works:
- Where do you clear snow – streets, parking lots, highways, etc.
- Who you work for – contracts for government, private companies, etc.
- What equipment are you using – shovel, bobcat, snowblower, skid steer, etc
- How often you work -on-call, weekly, or when it snows, etc.
These elements can affect your eligibility and the type of coverage that you need.
3. Winter won’t last all year, but your policy will
It is the industry standard for a business to carry business insurance policies or commercial general liability for a minimum of a year at a time. Since weather patterns vary all the time, it is more convenient for you. You can work and stop at any time and along with the season’s change.
4. You can insure your equipment
Your machinery plays a vital role in your business. If you list them down in your general liability insurance, it is covered for theft, fire, and vandalism. No need to purchase extra insurance policies for it.
5. You need general liability insurance
When you are running a snow business, you are responsible for any accidents or physical damage. You may need to pay compensation for medical bills, personal bodily injury damages, lost income, suffering, and pain. If someone gets injured on a sidewalk or tripped on something, you missed clearing. You might also need to cover the costs of fixing utility lines, property damage, or truck damage caused by snow removal equipment. Your general liability coverage will take care of those expenses.
What Kind of Snow Plow Insurance Do I Need?
As the owner of a Snow Removal service, you might clear out driveways or hospital parking lots, and based on the type of client you have, that will determine the type of insurance you need.
Commercial snow and ice plow owners and operators are responsible for the well-being of drivers, employees, customers, and the truck that are being towed and need specialized types of insurance on board to keep the business safe.
Not to mention the legal requirement to carry a general liability policy. East Insurance Group specializes in commercial auto insurance and can customize a policy to your needs. Your general liability insurance policy may include some or all of the following:
If someone slipped on a property you plowed, you may face a lawsuit from an unhappy client. This coverage gives you the financial backing you need to defend yourself.
Your snow plow may only get use for 6 months, but you need to make sure it doesn’t get damaged while it’s in storage. This coverage protects your vehicles while they’re in the garage.
If you have employees this insurance helps you in cases where they suffer independent injury on the job. This is extremely important, especially when they work in unsafe conditions.
How Can We Help?
We also work with you to find all the available discounts that can help to lower your snow plowing insurance costs. And when it comes time to file a claim after a loss, we’ll be with you the entire time, so you can recover as quickly as possible.
How Much Should I Pay for Snow Plowing
A snow and ice-covered place may look astonishing until you leave your warm home and start struggling with drifting driveway or path walks. Most homeowners shovel or use a snowblower in dealing with snow and ice themselves, but it could not pay the price with health concerns that come with doing the task.
Hiring a professional snow removal company can help you save labor and time. These companies often pay one low price for an excellent service no matter how many times it snows.
Snow Removal Contract Cost
Here are a few factors that can affect the price of an annual snow removal contract.
- Drive’s size. You could expect to pay more for the size of the area, long or big drive, or a four-car garage. Professionals also charge more for gravel or dirt drives as it could take longer to de-ice and clear the concrete. The same goes for drive slopes sharply down or very curvy.
- Extras. Extra areas like sidewalks or walkways are included in the price.
- Equipment used. The equipment being used can affect the contract price. You will likely pay less if you are spending little time on the driveway. Snowblowers take less time than shovels, but it is not the right choice for tight, closed-in areas. So you have to make sure that your contractor knows the specifics of your circumstance.
- Response time. The response time of the company from the call counts. You may have to pay more for companies with fast response times than those who make you wait longer.
- Where you live. Your location impacts your snow removal cost. If you are in an area where the climate is likely to get a lot of snow, expect that you may have to pay more. But, you can also get a per clearing rate since there is more work each season.
Other contracts include a specific number of clearings a season. If you need more than the specified number of clearings, you have to pay for each added plowing service.
Does Snow Plowing Ruin Your Truck
One of the common truck issues faced in plowing is damage to the transmission. Improper use of transmission or overheating the fluid can contribute to the problem. So, when heading out for snow plowing, take note of the following to minimize damage to your truck’s transmission.
Many truck manufacturers do not agree to snow plowing in overdrive. Check your vehicle owner’s manual to know if plowing overdrive is possible. Planning your plowing pattern will allow you to drive forward as much as possible.
Make sure to make a complete stop before shifting from forward to reverse. Wait for the transmission engaged before moving forward or reverse. Accelerating slowly will allow your wheels to grip the road surface. Avoid spinning your tires and start the vehicle in motion. Drop the snowplow blade at anytime possible until you get back to the cleared area.
If you have a manual transmission, don’t ride the clutch while plowing. When you are done plowing, let the vehicle idle for about 10 minutes to let the transmission fluid cool down. If you have a lot of plowing works during the season, make sure to change your transmission solution before and throughout the season. To maintain your transmission’s good state, pull your transmission dipstick often and smell the fluid. If you can find a burnt smell, replace the fluid as soon as possible. You may install an inline transmission gauge to watch out for the heat in your transmission. Once the vehicle’s temperature is 250°F, let the vehicle idle.
Is Snow Plow Business Profitable
According to a survey conducted among 150 snow industry small businesses, a snow removal business can be very profitable. However, you have to consider things before putting a plow in your truck and hitting the pavement.
- Your Market
- Unusual Hours
- Subcontracting Option
Identify the pros and cons before you attach a plow on your landscaping truck and hit the icy roads. Besides knowing your market and building connections with your potential customers, know the right size equipment for the type of work you plan to run. Make sure that you are properly insured with the right snow plow insurance to do the job. Also, bear in mind that your holiday plans might be affected as winter weather is unpredictable and might put you in irregular long hours.
GET A QUOTE AND GET COVERAGE TODAY
Our Snow Plow agents are ready to help you out.