Snow Removal Insurance
Many landscapers plow snow in the off-season. Snow and ice work carries major slip-and-fall liability — make sure you're covered.
Get Your Free QuoteWhy Snow Removal Is High-Risk
Snow and ice management is one of the most litigated areas in property maintenance. If someone slips on a property you were contracted to clear, you could be named in a lawsuit — even if you did everything right.
Slip-and-Fall Claims
The #1 risk. A customer, tenant, or visitor slips on ice at a property you service. Average claims: $20,000–$50,000+.
Property Damage
Plow blades scrape pavement, hit curbs, damage landscaping, or dent vehicles. Common and costly.
Contractual Liability
Commercial snow contracts often include hold-harmless clauses that shift liability entirely to you.
Completed Operations
You plowed at 4am. Someone slips at 8am on a spot that re-froze. You need coverage for claims after you've left the site.
Does Your GL Policy Cover Snow Removal?
Not always. Many standard landscaping GL policies exclude snow and ice operations or require a separate endorsement. Check your policy carefully.
What to ask your broker: "Does my policy cover snow plowing, ice management, and salt/sand application? Is there a snow removal exclusion? What are my completed operations limits for snow work?"
We make sure your policy explicitly covers snow and ice operations — no exclusions, no surprises at claims time.
Learn about seasonal coverage options →Get Snow-Ready Coverage
Don't wait for the first storm. Get your snow removal coverage locked in now.
Get My Free Quote