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. On every one of those properties, the biggest risk is usually not the truck. It is the person who slips on the lot or walkway you were hired to maintain.
We connect Regina snow removal contractors with licensed Saskatchewan brokers who write liability coverage for snow and ice work.
What Snow Removal Liability Insurance Covers
Snow removal liability insurance usually means a commercial general liability policy written for snow and ice work. Brokers look closely at:
- Slip and fall wording. Some general liability policies exclude or limit snow and ice operations. A policy for a snow contractor needs to fit the work. See slip and fall liability.
- Completed operations. Many claims arise after your crew has left the site. See completed operations coverage.
- Property damage to curbs, lawns, fences, garage doors and landscaping. See does snow removal insurance cover damaged lawns and curbs.
- Contract requirements such as specific limits, additional insured status and notice of cancellation. See insurance requirements for commercial snow contracts.
Saskatchewan Law and Snow and Ice Claims
Saskatchewan has no Occupiers' Liability Act; the duties of people who control property come from court decisions. The Limitations Act generally gives two years from discovery to start a claim, with a 15 year ultimate limit. Read Saskatchewan slip and fall liability for snow contractors.
Sidewalk and Snow Rules in Regina
Municipal sidewalk rules decide who is expected to clear public walks next to your clients' properties, which can shape both your contracts and your exposure.
Sidewalks. The City of Regina requires residential and commercial property owners to clear sidewalks within 48 hours following a snow event, or within 24 hours for properties in Schedule B (downtown) of the Clean Property Bylaw. Non-compliance leads to a Notice of Non-Compliance and possible City clearing, with costs added to property taxes.
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.
Municipal rules change. Confirm the current bylaw with the City before relying on it.
Protect Yourself With Records
Time stamped logs, photos, weather notes and service records are often the difference between a claim that is defended and one that is paid. Read snow logs and site documentation and use our snow removal log template.
Related Coverage in Regina
- Plow truck insurance in Regina
- Salting and ice management insurance in Regina
- Umbrella liability
- WCB Saskatchewan for snow removal
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
How much liability insurance do snow contractors in Regina carry?
It varies by contract and property type. Commercial clients and municipalities often set minimum limits in their contracts, so check your contracts and review them with a licensed Saskatchewan broker. See how much liability do snow contractors need.
Does general liability cover slip and fall claims for snow removal?
Not always. Some policies exclude or limit snow and ice work, so the wording matters. A broker who works with snow contractors can check it.
Can I get snow removal liability insurance with a past claim?
Often yes, though it can affect price and options. See insurance with past slip and fall claims.