Snow removal is a seasonal business, and contractors naturally ask whether they can pay for insurance only during the months they work. The answer depends on the coverage type, your province and the insurers available.
Liability Coverage
General liability is usually written for a full year. Part of the reason is that claims arrive after the season. A fall in February can turn into a lawsuit in the summer, and completed operations coverage needs to be in force when the claim is made. Insurers may price a snow only business to reflect its seasonal revenue, but the policy itself typically runs twelve months. See general liability.
Vehicles
Options for trucks that sit in the off season vary by province. In some cases coverage can be reduced to comprehensive only while a vehicle is stored, then restored before the season. Your broker can explain what is available with private insurers in Ontario and Alberta, through ICBC in British Columbia and through SGI in Saskatchewan. See plow truck insurance.
Equipment
Equipment coverage generally stays in place year round, since theft risk does not stop in summer. See equipment insurance.
Landscapers and Year Round Operators
If you landscape in summer and plow in winter, one package covering both is usually the efficient route. See landscapers adding snow removal.
Payment Plans
Even when a policy runs for the year, many insurers and brokers offer monthly payment plans, which smooths the cost against seasonal cash flow.
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Frequently Asked Questions
Can I buy snow plow liability insurance for six months?
Usually liability policies run twelve months, partly because claims arise after the season. Pricing may reflect seasonal revenue.
Can I take my plow truck off insurance in the summer?
Options vary by province. Some allow reduced coverage while stored. Ask your broker.