Commercial two stage blowers, stand on units and tracked machines do the walkway work that trucks cannot. A crew may carry several on a trailer or in a truck bed, and they disappear from job sites and yards with depressing regularity.
How Blowers Are Insured
Depending on value, blowers are covered either as tools under tools and contents or scheduled individually on your equipment policy. Higher value stand on and tracked units usually belong on the equipment schedule. Coverage in unlocked trucks or open trailers may be limited, so ask.
Liability
Blowers throw snow, ice, gravel and debris. Broken windows, damaged vehicles and injured bystanders are the claims. They fall under general liability. Operator training on discharge direction matters.
Crew Safety
Blowers cause serious hand injuries when operators clear jams by hand. Crews need training, and employees need workers compensation coverage.
Where They Work
Sidewalk crews, condo complexes, retail plazas and residential walkways.
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Frequently Asked Questions
Are snow blowers stolen from my truck covered?
Often within limits and conditions, such as the vehicle being locked. Confirm with your broker.
Is damage from gravel thrown by a blower covered?
Property damage to third parties generally falls under general liability, subject to your deductible.