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Does Snow Removal Insurance Cover Property Damage?

Usually, yes, for damage to other people's property, but which policy responds depends on what caused the damage and what was damaged. General liability commonly responds to damage you cause to a client's or third party's property during your work. Damage caused by your plow truck on the road is generally an auto insurance matter. Damage to your own equipment needs its own coverage. Every case depends on your policy wording.

Damage to Other People's Property

General liability is the policy that typically responds when your operations damage someone else's property: a blade that catches a garage door, snow piled against a fence, or a loader that hits a light standard. The Insurance Bureau of Canada describes commercial general liability as "a standard form of liability insurance developed for use in the business sector."

Things that can affect whether a claim is paid:

  • Exclusions. Policies list "risks, perils or properties defined in the policy as not covered," in IBC's words. Ask your broker what your policy excludes.
  • Deductibles. Small damage claims may fall below your deductible.
  • Declared operations. Make sure all your services are described on the policy.

Damage Caused by Your Plow Truck

Mandatory auto insurance protects against liability for "bodily injury or death of a person or damage to property" arising from use of the vehicle, according to IBC. Damage caused while operating a licensed plow truck is generally an auto liability matter. Equipment that is not a licensed vehicle, like some skid steers or loaders, may fall under general liability instead. Your broker should confirm how each unit is classified. See plow truck insurance.

Damage to Your Own Equipment and Property

Damage to your own trucks is a question for the physical damage coverage (collision and comprehensive) on your auto policy, if you carry it. Blades, spreaders and machines are typically covered under equipment insurance, and your shop and salt storage under business property coverage. General liability does not cover your own property.

Common Snow Removal Damage

Lawns, curbs and interlock are common sources of complaints. See does snow removal insurance cover damaged lawns and curbs. For vehicles hit in a lot, see what snow plow insurance covers.

Reduce Disputes

Photograph each site before the season, mark hazards, and log every visit. Records help separate damage you caused from damage that was already there. See the snow log template.

General information only, not insurance advice. Coverage depends on policy wording.

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Sources

Frequently Asked Questions

Does general liability cover damage my plow truck causes on the road?

Generally no. Damage caused while operating a licensed vehicle is usually an auto insurance matter. Confirm with your broker.

Does snow removal insurance cover damage to my own equipment?

Not under general liability. Your own equipment needs equipment or auto physical damage coverage.

Should I claim small property damage on my insurance?

It depends on your deductible and claims history. Many contractors discuss small claims with their broker before deciding.