Farm equipment sits idle in winter, and neighbours, acreage owners and rural businesses need snow moved. Plenty of farmers fill the gap with a tractor and blade or a loader. The question is whether the farm insurance policy follows the tractor off the farm and into paid work.
The Farm Policy Question
Farm policies cover farming operations. Plowing snow for payment for other people is usually a separate business activity. Depending on the policy and the insurer, it may be excluded, may need to be declared, or may be allowed up to a certain amount of income. Do not assume. Ask.
Exposures That Differ From Farming
- Slip and fall on other people's property. See slip and fall liability.
- Property damage to driveways, vehicles and buildings you do not own.
- Road travel between properties with equipment. See commercial auto and compact tractors.
- Commercial clients such as rural businesses and schools that require certificates.
Options
Depending on the scale, your broker may add snow work to the farm policy, write a small separate business policy, or place general liability and equipment coverage for the snow operation. Keep snow income and hours separate in your records so the work can be rated properly.
Farm plowing is common around Saskatoon, Red Deer, Clarington, Chilliwack and Abbotsford. See also rural and farm snow plowing in Saskatchewan.
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Frequently Asked Questions
Does farm insurance cover plowing snow for neighbours?
Not necessarily. Paid plowing is often treated as a separate business. Ask your broker before the season.
Can I plow with a farm plated tractor on the road for pay?
Rules on farm plates and commercial use vary by province. Check with your provincial authority and your broker.