Compact and utility tractors with front blades, rear blowers and heated cabs are popular for driveways, sidewalks and rural properties. They are cheaper to run than trucks in tight spaces and handle deep snow well.
Equipment Coverage
Tractors used for snow work are usually insured on an equipment policy, with the blade, blower and cab listed. Confirm theft coverage, since tractors on trailers and in open yards are targets.
Farm Tractors Doing Paid Work
If a farm tractor is used to plow for others, the farm policy may not respond. See farmers who plow snow. Farm plates and road use rules for commercial work vary by province.
Road Travel
Tractors moving between driveways on public roads raise auto and licensing questions. Ask your broker how your province treats tractor road use for commercial snow work.
Liability
Property damage and injuries caused while operating fall under general liability. Rear blowers throwing snow and ice toward people and property is a specific risk to manage.
Compact tractors are common in Saskatoon, Red Deer, Clarington and rural Barrie.
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Frequently Asked Questions
Can I use my farm tractor to plow snow for pay?
Possibly, but your farm policy may not cover it and provincial plate rules apply. Talk to a broker.
Is a tractor snow blower attachment covered?
When listed on your equipment schedule with a value, yes.