When there is nowhere left to pile snow, it has to be moved. Snow hauling means loaders working in lots, dump trucks travelling loaded on public roads, and disposal at storage or melting sites. Each step brings exposure that a basic plowing policy may not fully address.
Where the Risk Sits
- Loading operations. Loaders working around parked vehicles and pedestrians. See wheel loaders.
- Loaded trucks on the road. Heavy trucks, often at night and in poor conditions. See dump trucks.
- Disposal sites. Site rules, environmental considerations and traffic at busy dumps.
- Piles left on site. Sightline problems at entrances and meltwater across lots. See completed operations.
Coverage to Discuss
- Commercial auto for dump trucks, rated for hauling use
- Equipment insurance for loaders and attachments
- General liability that reflects hauling operations
- Hired and non owned auto if you rent trucks or use owner operators for hauling
- Cargo or environmental questions in some cases, which your broker can advise on
Subcontracted Hauling
Many snow contractors subcontract hauling to trucking companies. Require certificates showing commercial auto and liability coverage, and confirm your own policy's position on subcontractors. See hiring subcontractors safely.
Hauling is a regular part of the season in heavy snow markets like Ottawa, Edmonton, Barrie and Sault Ste. Marie.
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Frequently Asked Questions
Is snow hauling covered under my regular snow plow insurance?
Not necessarily. Hauling adds heavy vehicle and loader exposure that should be declared.
Do I need cargo insurance to haul snow?
Snow itself has no value, but your broker may raise other considerations such as spill or environmental questions at disposal sites.