What Insurance Should a Snow Plowing Business Have?

If you are wondering what types of insurance coverage your snowplowing business should consider, the answer can vary depending on a variety of factors. Do you want to insure the equipment that you use throughout those tough winter days plowing? Does your snowplowing business consist of just you behind the wheel, or do you have multiple employees out plowing too? These are just a few of the possible factors that could affect what insurance your snow plowing business should have. The following are some common business insurance policies that you should consider for your snowplowing company.

Commercial Auto

At the forefront of your snowplowing business is the vehicle being used for plowing. Having commercial auto coverage is essential to keep you covered on the road and plowing driveways, parking lots, etc. Cross provides coverage for many types of vehicles used for commercial purposes.

General Liability

General liability insurance can help protect your organization from third-party personal injury and property damage claims allegedly caused by the negligence of your company and/or employees. This coverage also sometimes provides coverage for libel and copyright infringement.

Tools & Equipment

Tools and equipment insurance can help cover your plowing business when you are at the “jobsite.” For snowplowing your “jobsite” is mainly on the road, but having this insurance to help cover your plow, sand spreader, shovels, and other tools against theft, loss, vandalism, and in some cases damage, can be very important.

Business Owners Policy

A Business Owner’s Policy (BOP) is a policy that combines both general liability and property insurance. While general liability applies to personal injury and property damage claims made by a customer or other third-party, general liability doesn’t provide coverage for your property. Having a Business Owner’s Policy can help protect your potential property losses.

Workers Compensation

If your snowplowing business has employees, Workers’ Compensation may be a state requirement. It can help cover medical bills for employees that are injured or become ill because of work related events. It can also help cover a portion of lost wages.

 

To see what coverages your snowplowing business should consider and compare rates, connect with your local office.  

 

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

 

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