A snow removal business rarely needs just one policy. Most contractors carry several coverages that work together, and the right mix depends on your services, equipment, contracts and province. Use this page to understand the options before you talk to a specialist broker.
Start Here
- Snow plow insurance: the complete guide for plowing operations.
- Snow removal insurance: the full range of snow clearing services, including sidewalks, salting, roofs and hauling.
Liability Coverage
| Coverage | Why it matters |
|---|---|
| General liability | The foundation. Covers third party injury and property damage claims. |
| Slip and fall liability | The biggest risk in snow work. Check for snow and ice exclusions. |
| Completed operations | Responds to claims that arise after your crew has left the site. |
| Umbrella and excess liability | Higher limits for commercial and institutional contracts. |
Vehicles
| Coverage | Why it matters |
|---|---|
| Plow truck insurance | Commercial auto for trucks fitted with plows. |
| Commercial auto and fleet | Multiple vehicles on one policy. |
| Hired and non owned auto | Vehicles your business uses but does not own. |
Services With Their Own Risks
- Salting and sanding insurance
- Sidewalk snow clearing insurance
- Roof snow removal insurance
- Snow hauling and dump truck insurance
Equipment and Property
- Snow removal equipment insurance for blades, spreaders, skid steers and loaders
- Business property and salt storage
- Tools and contents
- Business interruption
Contracts, People and Other Risks
- Surety and performance bonds for municipal and institutional tenders
- Workers compensation for employees
- Employee dishonesty and crime
- Cyber insurance
- Seasonal snow plow insurance
Not Sure What You Need?
Read what snow plow insurance covers, or skip the research and let a broker build a package around your operation.
SnowPlowInsurance.ca is an independent referral service, not an insurance company or broker. We connect you with licensed brokers who provide quotes and advice. How this site works.