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Plow Truck Insurance in Regina

Regina's open prairie setting means wind and drifting snow, and contractors serve residential routes, the downtown core and industrial parks. Environment and Climate Change Canada's 1991 to 2020 climate normals for the Regina Airport station record an average of about 105 cm of snowfall a year, with about 5 days a year bringing 5 cm or more of new snow. Every storm puts plow trucks on the road in poor visibility, often before sunrise.

A pickup with a blade, a one ton with a spreader, or a dump truck hauling snow is a working vehicle. We connect Regina contractors with licensed Saskatchewan brokers who insure plow trucks and fleets every season.

What Plow Truck Insurance Usually Involves

Plow truck insurance is commercial auto coverage written for a vehicle used in snow removal. Brokers typically look at:

  • Liability for injuries and damage to other people's vehicles and property while the truck is being driven, including backing and plowing on a client's lot.
  • Collision and comprehensive for damage to your own truck.
  • The plow blade, spreader and other attachments. Some policies treat mounted equipment as part of the vehicle and others need it listed separately or covered under equipment insurance.
  • Drivers. Who drives, their records, and whether employees or subcontractors use your trucks. See hired and non owned auto.

The key point: tell your insurer the truck is used for plowing. A personal policy written for commuting may not contemplate paid snow removal. See personal vs commercial auto for plowing.

Saskatchewan Rules for Plow Trucks

In Saskatchewan, basic plate insurance comes through SGI's Saskatchewan Auto Fund and includes third party liability of $200,000. Plate class matters when a vehicle is used for paid work, so confirm the class with SGI and tell your broker the truck is used for plowing. Read SGI and plow trucks.

Local Rules That Affect Plow Trucks in Regina

Snow on the road. City guidance says not to shovel or blow snow into the road and to store snow from private property on the private yard, not on streets, sidewalks or boulevards. Sidewalk snow may be placed along the curb if it does not interfere with traffic.

City plowing. After a snow event of at least 5 cm, Category 1 major arterials and hospital routes are plowed within 24 hours, Category 2 minor arterials, collectors, transit routes and downtown within 36 hours, Category 3 within 48 hours and gravel roads within 60 hours. Residential roads are plowed at 15 cm.

For contractors. The City Snow Storage Site is open to snow hauling contractors, businesses and residents with a $10 per vehicle permit, and load fees range from $5 for a small pickup to $35 for a tandem with trailer or semi. Snow routes are called at 5 cm in a single event with a 24 hour parking ban.

Municipal rules change. Confirm the current bylaw with the City before relying on it.

General information only, not insurance or legal advice. Coverage depends on your policy wording; a licensed broker can review your operation.

Sources: City of Regina: Sidewalk snow clearing; City of Regina: Plowing, snow and ice control; City of Regina: Snow storage; Environment and Climate Change Canada: Canadian Climate Normals

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 I need commercial insurance to plow snow with my truck in Regina?

If you plow for pay, tell your insurer. A policy written for personal use may not contemplate business use, and a licensed Saskatchewan broker can confirm how your truck should be insured.

Is my plow blade covered by my auto policy?

It depends on the insurer and policy. Some include mounted equipment and others need it scheduled separately or covered under an equipment floater, so ask your broker to confirm.

What happens if my plow damages a parked car in Regina?

Damage caused while operating a licensed truck is generally an auto insurance matter. Report it to your insurer or broker promptly. See what happens if your plow damages a car.