FAQs about Snow Removal
Did you know? Western’s Snow Removal Insurance Fits Your Operation and Helps You Save
Hamdallah (Hammy) Zeid is an eCommerce Business Insurance Leader at Western Financial Group. He’s based in Winnipeg and he’s an expert in helping businesses get the commercial insurance coverage they need at a competitive price.
Hammy answers our questions about snow removal insurance and how Western can help snow removal contractors save on their business insurance.
How can snow removal contractors save on their insurance with Western?
Western helps snow removal operators save on their insurance with the following:
- Bundle and save: Combine snow removal insurance with other coverages such as landscaping, construction, or property insurance.
- Discounts: Available when you bundle liability, commercial auto, and property insurance.
- Seasonal vs. annual: While operations are seasonal, snow removal insurance is generally written as a year-round policy. Western advisors ensure you’re covered properly without paying for extras you don’t need.
What are the advantages of using Western as your insurance broker for snow removal insurance?
As an insurance broker, Western gives snow removal contractors access to multiple insurers and competitive rates, which allows them to pick tailored coverage at the right price.
Western has strong expertise in snow removal risks from liability claims to equipment protection to help snow removal contractors get insurance coverage that fits their operation.
When a snow removal contractor has a claim, Western has dedicated claims support to help them recover quickly.
What insurance package does Western recommend for snow removal operators?
A complete insurance package for snow removal operators usually includes:
- Commercial general liability (CGL) insurance: Protects against third-party injuries and property damage.
- Commercial auto insurance: It covers plows and other vehicles used in snow removal operations.
- Contractor’s equipment insurance: It protects plows, loaders, and machinery against damage or theft.
- Property insurance: It’s needed if you own or lease a shop, yard, or storage facility.
- Optional coverages: Cyber liability for digital contracts and payments.
Why is liability insurance important for a snow removal business?
Liability insurance for a snow removal business is extremely important. Liability claims, especially slip-and-fall incidents, are the most common and costly risks in snow removal.
Did you know? Many municipalities and commercial property managers will not sign a snow removal contract unless you carry proper liability insurance.
How are subcontractors covered under snow removal insurance?
Subcontractors are not automatically covered by your snow removal insurance policy. Subcontractors must carry their own liability insurance and often need to name you as an additional insured.
Western helps structure contracts so liability isn’t unfairly shifted back to you.
Does snow removal insurance cover equipment damage?
Yes, snow removal insurance covers equipment damage. Contractor’s equipment insurance protects plows, skid steers, loaders, and other tools against:
- Collision damage
- Fire
- Theft
- Vandalism
Western ensures your coverage reflects the true replacement cost of your equipment.
What deductibles does Western recommend for snow removal businesses?
Deductibles for snow removal businesses depends on the size of your operation and your risk tolerance:
- $1,000–$2,500 for liability claims (balances affordability with protection).
- Higher deductibles (e.g., $5,000+) for equipment if you’re comfortable handling smaller losses out of pocket.
