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Is Snow Plow Insurance Required in Saskatchewan?

No Saskatchewan law requires a specific product called "snow plow insurance." But every registered vehicle carries compulsory plate insurance, which includes $200,000 in third party liability; if you have workers, check your obligations with WCB Saskatchewan; and most commercial clients will not hire a snow contractor without proof of liability coverage.

General information only, not legal or insurance advice. Rules change; confirm with the regulator or agency named on this page, a lawyer for your specific situation, and your broker.

Plate Insurance Comes With Registration

The Insurance Bureau of Canada lists Saskatchewan's mandatory coverage as "Third Party Liability ($200,000), basic auto damage insurance (included in the cost of your vehicle registration) and Accident Benefits (unless Tort injury coverage is chosen)." Higher liability and other extension coverage is commonly arranged through a broker.

If you plow for pay, tell SGI or your broker how the truck is used. Farm plated trucks deserve extra care: check whether your plate class and policy fit paid plowing before you take the work. See SGI plow truck insurance and rural and farm snow plowing.

Workers Compensation: Check With WCB Saskatchewan

We were not able to confirm from WCB Saskatchewan which snow removal employers must register, the registration deadline or the options for owners. If you have workers, contact WCB Saskatchewan to confirm your obligations.

What WCB Saskatchewan does say clearly concerns hiring contractors: "If a contractor is not registered with us, they are considered a worker of the principal. The principal is then responsible for paying premiums on the labour part of the contract." Its rate classification has historically placed miscellaneous snow removal and parking lot maintenance under rate code R11. See WCB Saskatchewan for snow removal.

Contracts Require Liability Coverage

Commercial clients, property managers and public bodies commonly ask for a certificate showing general liability and often set minimum limits and additional insured wording. Requirements vary, so read the insurance clause before you bid. See $2M vs $5M liability.

Why Liability Coverage Matters

Saskatchewan does not have an Occupiers' Liability Act; occupiers' duties come from court decisions. The general limitation period is two years from discovery under The Limitations Act, s. 5. A claim from one icy morning can arrive long after the season ends. See occupiers liability in Saskatchewan.

Taxes and Licences

Snow clearing and snow removal services are listed as taxable services under Saskatchewan's PST Regulations. Municipal licences vary. See starting a snow removal business in Saskatchewan and snow plow insurance in Saskatchewan.

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.

Sources

Frequently Asked Questions

Is liability insurance legally required for snow removal in Saskatchewan?

We are not aware of a provincial law requiring general liability for every snow contractor, but most commercial contracts require it.

How much liability does Saskatchewan plate insurance include?

According to IBC, plate insurance includes $200,000 in third party liability. Higher limits are commonly arranged through a broker.

Do I need WCB coverage for my snow crew in Saskatchewan?

Check with WCB Saskatchewan. We could not confirm the mandatory coverage rules for snow removal employers, but WCB says principals can be responsible for premiums of unregistered contractors.