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Oracle RMS Insurance

Snow Removal Contractor Insurance

Industry Insurance — Oracle RMS Insurance

Snow Removal Contractor Insurance

Insurance for snow plowing, salting, and ice management contractors — covering your liability, vehicles, and equipment.

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Snow removal contractors face significant liability exposure every winter season. Slip-and-fall claims on properties you service are among the most common and costly claims in the industry. A single serious injury claim can exceed your annual revenue. Oracle RMS works with snow removal contractors to build insurance programs that provide adequate liability limits, commercial auto coverage for plowing vehicles, and equipment coverage for snowplows and spreaders.

Who needs this coverage?

Snow plowing contractors, salting and de-icing services, property maintenance companies that offer winter services, and any contractor that provides snow removal or ice management services to residential or commercial clients.

Key coverages

  • Commercial general liability (slip-and-fall)
  • Completed operations liability
  • Commercial auto (plowing vehicles)
  • Equipment floater (plows, spreaders)
  • Pollution liability (salt/de-icing chemicals)
  • Umbrella / excess liability
  • Tools and equipment

Frequently Asked Questions

Why do snow removal contractors face high liability exposure?
Snow removal contractors are responsible for maintaining safe conditions on the properties they service. If a person slips and falls on a property you were contracted to clear, you can be held liable for their injuries. Slip-and-fall claims are common, expensive, and difficult to defend.
What CGL limits do snow removal contractors need?
Many commercial property managers and municipalities require snow removal contractors to carry a minimum of $2 million to $5 million in CGL coverage. Higher limits are recommended given the frequency and severity of slip-and-fall claims in this industry.
Does my personal auto insurance cover my plow truck?
No. Personal auto policies exclude commercial use. Any vehicle used for snow removal — including pickup trucks with plow attachments — requires a commercial auto policy. The plow attachment itself may also need to be specifically covered.
What is completed operations liability for snow removal?
Completed operations liability covers claims arising from your work after you have left the property. For snow removal contractors, this means claims for slip-and-falls that occur after you have finished plowing and salting — for example, if ice reforms after your service.
Is pollution liability relevant for snow removal contractors?
Yes. Salt and de-icing chemicals can cause environmental damage to soil, vegetation, and water. Pollution liability covers cleanup costs and third-party claims arising from chemical runoff from your operations.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.