Central Ontario and cottage country take in the Kawarthas, Muskoka and the areas around Lake Simcoe, with year round towns and thousands of seasonal properties.
We connect snow plow operators and snow removal companies across Central Ontario and Cottage Country with licensed Ontario brokers who write this business.
Communities We Serve in Central Ontario and Cottage Country
- Snow plow insurance in Peterborough
- Snow plow insurance in Kawartha Lakes
- Snow plow insurance in Orillia
- Snow plow insurance in Huntsville
- Snow plow insurance in Midland
- Snow plow insurance in Orangeville
- Snow plow insurance in Barrie
Snowfall Across Central Ontario and Cottage Country
Environment and Climate Change Canada's 1991 to 2020 climate normals show how much snow varies within the region: about 158 cm a year at the Peterborough station (for Peterborough), compared with about 174 cm at the Egbert station (for Barrie). More snow generally means more events, more hours on the road and more exposure for contractors.
Source: Environment and Climate Change Canada: Canadian Climate Normals.
Sidewalk Rules Differ Across Central Ontario and Cottage Country
Municipal sidewalk clearing rules are set city by city, which affects what property owners hire contractors to do. A few examples:
- Peterborough: The City of Peterborough clears about 450 km of sidewalks itself, typically completing all routes within 48 hours after the last precipitation.
- Kawartha Lakes: The City of Kawartha Lakes clears sidewalks and usually completes sidewalk clearing within 48 hours after the end of a storm.
- Orillia: The City of Orillia clears sidewalks, deploying when snow exceeds 8 cm and reducing accumulation to 8 cm or less within 48 hours of the last snowfall.
- Huntsville: The Town of Huntsville maintains about 30 km of sidewalks and aims to have all sidewalks clear within 48 hours.
Each city page lists the rules and sources for that municipality. Rules change, so confirm with the municipality.
Winter Road and Weather Resources
Contractors running routes across Central Ontario and Cottage Country often check Ontario 511, the Ministry of Transportation's traveller information service, before and during storms, along with Environment and Climate Change Canada weather warnings for their area. Keeping a note of the warnings in effect when you worked is also useful for your snow logs.
Coverage Contractors in Central Ontario and Cottage Country Ask About
- General liability and slip and fall coverage
- Plow truck insurance and commercial fleet coverage
- Salting and sanding insurance
- Snow removal equipment insurance
- Umbrella liability for contracts with higher limits
Provincial Rules to Know
Read about the Ontario 60 day notice rule and snow plow insurance in Ontario. For pricing factors, see how much snow plow insurance costs in Ontario.
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.
Frequently Asked Questions
Do you connect contractors everywhere in Central Ontario and Cottage Country?
Yes. We work with licensed Ontario brokers who serve snow contractors across the region, including smaller towns and rural areas.
Does snow plow insurance cost the same across Central Ontario and Cottage Country?
No. Price depends on your properties, services, vehicles, revenue and claims history, and local conditions can play a part. A broker can quote your operation.
Is there a charge to be matched with a broker?
No. Matching is free and there is no obligation to buy.