Snow Plow and Snow Removal Insurance, Matched to Brokers Who Know the Business
Most insurance brokers see a snow removal file a few times a year. The brokers we work with see them every week. They understand slip and fall exposure, zero tolerance contracts, plow trucks that sit parked for seven months, and property managers who want a certificate by Friday.
SnowPlowInsurance.ca connects snow plow operators, snow removal companies and landscapers who plow in winter with licensed brokers who specialize in this work. You tell us about your operation once. We send your details to a broker licensed in your province who can shop the right markets for you.
Get matched with a specialist broker
Who We Help
Whether you run one truck on residential driveways or a fleet of loaders on commercial lots, there is a broker in our network who writes your kind of business.
- Residential snow plow contractors clearing driveways by the push or by the season
- Commercial snow removal companies servicing plazas, offices, condos and industrial sites
- Landscapers adding snow removal to keep crews and equipment working through winter
- Owner operators running a single truck or skid steer
- New snow removal businesses that need coverage before signing their first contract
- Part time plowers who clear a few driveways on the side
Coverage Brokers in Our Network Can Quote
A snow removal business usually needs several policies working together. Your broker will build a package around your contracts, equipment and province.
Liability Coverage
General liability is the foundation. For snow contractors, the policy wording around slip and fall claims and completed operations matters more than almost anything else. Many commercial contracts also require an umbrella policy to push limits higher.
Vehicles and Equipment
A pickup with a blade is not covered the same way as a personal vehicle. Brokers can quote plow truck insurance, commercial fleet coverage and snow removal equipment insurance for blades, spreaders, skid steers and loaders.
Specialty Work
Some services carry their own risks and need to be disclosed and covered properly, including salting and sanding, sidewalk clearing, roof snow removal and snow hauling.
See the full list of snow removal insurance coverage options.
Where We Connect Contractors With Brokers
Insurance rules change at the provincial border. Auto insurance runs through public insurers in BC and Saskatchewan and through private insurers in Ontario and Alberta. Ontario has a 60 day notice rule for snow and ice injury claims. Workers compensation boards differ in every province. That is why we match you with a broker licensed where you operate.
- Snow plow insurance in Ontario
- Snow plow insurance in British Columbia
- Snow plow insurance in Alberta
- Snow plow insurance in Saskatchewan
Popular cities include Toronto, Ottawa, Calgary, Edmonton, Saskatoon, Regina, Kelowna and Kamloops. Browse all locations.
How It Works
- Tell us about your operation. Province, services, equipment, crew size and the kinds of properties you clear.
- We match you with a specialist broker. Your details go to a licensed broker in your province who writes snow removal business.
- Compare your options. The broker shops insurers on your behalf and walks you through the quotes. You decide.
Read more about how our matching service works.
Why Specialist Brokers Matter for Snow Contractors
Snow removal is one of the harder risks to place in commercial insurance. Some insurers will not write it at all. Others add exclusions for ice, for salting, or for work done after a certain hour. A broker who handles snow files regularly knows which markets are open, which wordings hold up in a claim, and what your commercial clients will expect to see on a certificate of insurance.
Before you talk to a broker, it helps to understand what snow plow insurance covers and what drives the cost.
SnowPlowInsurance.ca is an independent referral service, not an insurance company or broker. We connect you with licensed brokers who provide quotes and advice. How this site works.
Frequently Asked Questions
Is SnowPlowInsurance.ca an insurance company?
No. We are an independent referral service. We connect snow removal contractors with licensed insurance brokers, and those brokers provide quotes, advice and policies. See our disclosure for details.
Does it cost anything to get matched with a broker?
No. Getting matched is free for contractors and there is no obligation to buy a policy.
Which provinces do you serve?
We currently connect contractors with brokers in Ontario, British Columbia, Alberta and Saskatchewan.
Do I need insurance to plow snow for money?
In practice, yes. Personal auto and home policies generally do not cover commercial plowing, and most property owners and managers will not hire a contractor without proof of liability insurance. Read do I need insurance to plow snow.