Snow keeps landscaping crews and equipment working through winter, and for many companies it is the difference between a seasonal business and a year round one. But snow and ice are a different risk from mowing and planting, and landscaping policies do not always follow you into winter.
Check Your Current Policy
Some landscaping liability policies exclude snow and ice work entirely. Others cover it only if declared, or apply lower limits. If your policy was written for summer operations, ask your broker specifically whether slip and fall claims from snow and ice are covered, and whether completed operations extends to winter work.
What Changes When You Add Snow
- Slip and fall exposure that landscaping rarely has. See slip and fall liability.
- Salting and ice management, which needs to be declared. See salting and sanding insurance.
- Truck use. Blades and spreaders on your trucks change the auto risk. See plow truck insurance.
- Equipment use. Skid steers and tractors switching to pushers and blowers. See equipment insurance.
- Revenue split. Insurers rate snow revenue differently, so keep it separated in your books.
One Package for Both Seasons
A broker who understands both landscaping and snow can usually write one program covering the full year, which is simpler and often cheaper than two separate policies. See seasonal snow plow insurance.
Landscape companies are a large share of the snow market in Vancouver, the Okanagan, Halton Hills and Kitchener.
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Frequently Asked Questions
Does my landscaping insurance cover snow plowing?
Not always. Some policies exclude snow and ice or require it to be declared. Ask your broker directly.
Should I get a separate snow policy or add snow to my landscaping policy?
Usually one program covering both seasons is simpler and cheaper. A specialist broker can compare.