British Columbia is really several snow markets. The Interior and North see long, heavy winters, and snow removal is a core business in cities like Kelowna, Kamloops and Prince George. The Lower Mainland and Vancouver Island see less snow, but when it arrives it is often wet, heavy and quick to freeze, and demand spikes overnight.
We connect BC snow plow operators and snow removal companies with licensed BC brokers who write this business.
How Insurance Works for BC Snow Contractors
ICBC for Your Plow Truck
In BC, basic vehicle insurance comes from ICBC. Optional coverage may be available through ICBC or private insurers. How your truck is rated and what coverage you add depends on how you use it. See ICBC and plow trucks.
Private Market for Liability and Equipment
ICBC covers vehicles, not your snow removal business. General liability, slip and fall coverage, equipment insurance and umbrella policies come from private insurers through a broker.
WorkSafeBC
Employers in BC generally need to register with WorkSafeBC. See WorkSafeBC for snow removal businesses.
Occupiers Liability and Strata Contracts
BC's Occupiers Liability Act shapes who is responsible for snow and ice on a property. Strata corporations are major snow removal clients, with their own contract expectations. See BC occupiers liability and snow contractors and strata snow removal contracts in BC.
BC Regions
- Okanagan
- Thompson Nicola
- Kootenays
- Cariboo
- Northern BC
- Lower Mainland and Fraser Valley
- Vancouver Island
- Sea to Sky
Top BC Cities
Kelowna · Kamloops · Prince George · Vancouver · Surrey · Vernon · Penticton · West Kelowna · Fort St. John · Cranbrook · Abbotsford · Whistler
BC Guides
- How much is snow plow insurance in BC?
- Starting a snow removal business in BC
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
Does ICBC cover snow plowing?
ICBC provides basic vehicle insurance. Whether your coverage fits commercial plowing depends on how the vehicle is rated and what optional coverage you carry. ICBC does not provide business liability for your snow removal work. See ICBC and plow trucks.
Is snow plow insurance required in BC?
Vehicle insurance through ICBC is required to drive on public roads. Business liability is not required by law for every contractor, but most clients require it. See is snow plow insurance required in BC.
Do you help contractors in the Lower Mainland?
Yes. We connect contractors across BC, including the Lower Mainland, Vancouver Island, the Interior and the North.