ATVs and side by sides with plows are quick, cheap to run and fit where trucks cannot: walkways, narrow driveways, townhouse complexes and small lots. They are also easy to overlook when it comes to insurance.
How They Are Insured
Off road vehicles are generally not covered by a standard commercial auto policy in the same way as trucks. Depending on your province and insurer, they may be insured under a dedicated off road vehicle policy or scheduled on your equipment policy. Coverage for theft is important, since ATVs and UTVs are stolen frequently.
Road Use
Rules on operating ATVs and UTVs on public roads vary by province and municipality, and commercial use can add conditions. Crossing streets between driveways on a route is common and needs to be legal and insured. Ask your broker.
Liability
Injuries and property damage caused while plowing fall under your general liability. Operator protection matters too: UTV rollovers are a known hazard, and employees operating them may need workers compensation.
Who Uses Them
Residential contractors, part time plowers and condo complex contractors clearing walkways and townhouse driveways.
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Frequently Asked Questions
Is my ATV plow covered by my business insurance?
Off road vehicles need to be specifically insured, either on an off road vehicle policy or scheduled on an equipment policy. Confirm with your broker.
Can I drive my UTV on the road between driveways for plowing?
Rules vary by province and municipality. Check local regulations and make sure the use is insured.