Commercial snow removal means bigger sites, bigger equipment and bigger contracts. It also means clients with formal insurance requirements and lawyers who read the indemnity clause. Getting the insurance program right is part of running the business, not an afterthought.
What Commercial Clients Require
Property managers, landlords, condo corporations and institutions typically require:
- Liability limits of $5 million or more, often reached with an umbrella
- The client named as additional insured, including for completed operations
- Waiver of subrogation and primary and non contributory wording
- Certificates before the season and on renewal
- Proof of workers compensation standing
See insurance requirements for commercial snow contracts.
Core Program
- General liability with slip and fall and completed operations
- Commercial fleet for trucks
- Equipment insurance for loaders, skid steers, pushers and spreaders
- Salting and sanding declared and covered
- Business property for the shop and salt inventory
- Sometimes bonds for public tenders
Contracts Shape Risk
Zero tolerance language and broad hold harmless clauses can shift a property owner's liability onto you. Have your broker review the insurance clauses before you sign. See snow removal contracts and insurance.
Subcontractors
Commercial portfolios often rely on subs. Require certificates, set minimum limits and get named on their policies. See hiring subcontractors safely.
Commercial demand is strongest in markets like Mississauga, Vaughan, Calgary and Edmonton.
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Frequently Asked Questions
Why do commercial clients want $5 million in liability?
Slip and fall injuries can produce large claims, and property owners want the contractor's coverage to be sufficient to protect them as additional insureds.
Can one broker handle liability, fleet, equipment and bonds?
Specialist brokers typically arrange the full program, sometimes across more than one insurer.