Residential plowing is where most snow businesses start and where many stay. Dozens or hundreds of driveways, cleared before homeowners leave for work, on seasonal or per push contracts. The exposure per driveway is smaller than a busy plaza, but the volume of stops and the tight quarters create their own risks.
The Risks
- Property damage. Garage doors, parked cars, mailboxes, interlock, lawns and sprinkler heads. These are the most frequent residential claims.
- Slip and fall. Homeowners, visitors, mail carriers and delivery drivers walk the driveways and walkways you service.
- Early morning driving. Residential routes run in the dark, often in active snowfall.
- Contract disputes. Unclear triggers and expectations lead to complaints, cancellations and sometimes claims.
Coverage Residential Plowers Usually Carry
- General liability, often starting around $2 million, with slip and fall coverage confirmed
- Plow truck insurance, since a personal auto policy generally does not cover paid plowing
- Equipment insurance for blades and spreaders
- Salting and sanding declared if you de-ice walkways
Contracts
A short written agreement protects both sides. Cover the trigger depth, timing, what is included, salting, and what happens with marked obstacles. See our snow removal contract template and per push vs seasonal contracts.
Residential work is the backbone of markets like Brampton, Barrie, St. Albert and Saskatoon.
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Frequently Asked Questions
How much liability insurance does a residential snow plower need?
Many carry $2 million, though your broker will consider your route size, services and any commercial clients.
Can I plow driveways with my personal truck insurance?
Paid plowing is generally commercial use. Talk to a broker before the season. See does personal auto insurance cover plowing.