One ton and heavier trucks carry the big V plows and slide in or under tailgate spreaders that commercial lots need. They cost more, carry more and are rated differently from a light pickup.
Rating Considerations
- Gross vehicle weight. Heavier classes may be rated differently and can have different licensing requirements for drivers.
- Use. Commercial lot plowing, salting runs and travel between sites, often at night.
- Mounted equipment. V plows and spreaders can add tens of thousands in value. Declare them and confirm how they are covered.
- Drivers. Abstracts and experience matter more as vehicles get heavier.
Spreader Specifics
Spreaders are frequently damaged by corrosion and by loading. Ask your broker whether the spreader is covered on the auto policy while mounted and on the equipment policy when removed. See salt spreaders.
Growing Fleets
Several heavy trucks usually points toward a fleet policy. See also commercial snow removal companies.
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Frequently Asked Questions
Is a one ton plow truck insured differently than a half ton?
Often yes. Weight class, use and the value of mounted equipment all affect rating.
Do drivers need a special licence for heavy plow trucks?
Requirements depend on the vehicle weight and your province. Check provincial licensing rules.