Parking lots concentrate everything that goes wrong in snow removal: pedestrians, parked and moving vehicles, curbs, light standards, drainage grates and nowhere to put the snow. Contractors who specialize in lots need liability coverage that reflects that mix.
Typical Claims
- Vehicle damage. Blades and pushers meeting parked cars, especially on lots that are never empty.
- Pedestrian injuries. Shoppers, employees and visitors crossing icy lots. See slip and fall liability.
- Fixed property. Curbs, bollards, signs, light poles, carts corrals and landscaping.
- Pile placement. Piles blocking sightlines, drains or fire routes, and meltwater refreezing across the lot. See completed operations.
Coverage That Matters
- General liability with adequate limits, often $5 million with an umbrella for retail and industrial clients
- Plow truck and fleet coverage
- Equipment insurance for pushers, loaders and skid steers
- Salting and sanding declared
- Snow hauling if you relocate piles
Contract Points
Agree in writing where snow is piled, how vehicles left overnight are handled, service triggers, and whether the lot is cleared in stages. Site maps with pile locations and hazards are worth attaching to the contract. See snow removal contracts and insurance.
Lot work dominates in logistics heavy markets like Mississauga, Brampton, Leduc and Richmond.
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Frequently Asked Questions
Who pays if my plow damages a car in a parking lot?
Typically your liability or auto insurance responds, depending on how the damage occurred. Deductibles apply.
Should I attach a site map to my parking lot contract?
Yes. Marking pile locations, hazards and staged clearing areas reduces disputes and helps in a claim.