“Winter is coming,” as HBO’s “Game of Thrones” would say. The changing weather is a great opportunity for contractors and landscaping companies who typically see less business in the winter months to offer snow removal service. That said, it’s important for these companies to make sure they are insured when offering this service.
A common misconception among many contractors and people with plows on their vehicles is that their snow removal operations will be covered under their current General Liability (GL) policies (landscaping or other operations). They are under the impression that in the event of a slip-and-fall injury, their current GL policy will step in and provide coverage. However, this is not necessarily the case as that policy may contain an exclusion for snow/ice removal. Some carriers will still allow business owners to add their snow removal operation onto an existing GL policy, but many insurers now exclude this exposure and require you to get a stand-alone policy for coverage. Insurance for snow removal contractors is typically based on gross sales, number of employees, payroll, or even number of plows.
The most common claim stemming from snow/ice removal is a slip & fall after the plowing contractor has completed their work.
RPS offers Snow Removal coverage for all types of operations, with the ability to insure the clearing of sidewalks, driveways, parking lots, and public streets/roads. Eligible risks include snow removal with bobcat, snow blower, shovel or like equipment; and snow removal using trucks with Auto insurance in place. Available coverages include:
- Blanket Additional Insured & Blanket AI including Completed Operations
- Blanket Primary & Non-contributory
- Blanket Waiver of Subrogation