Snow Plowing Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Snow plowing insurance designed to protect your business

ERGO NEXT Insurance is a one-stop shop to help you get the affordable snow plowing insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Contractors’ E&O
Commercial auto
Workers’ compensation
Tools and equipment
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for snow removal insurance and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of snow plowing accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners and individual clients. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Contractors’ E&O

Coverage against business mistakes and claims of negligence

Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of failing to thoroughly remove snow from an apartment building’s walkways and stairs, it could help cover related expenses to defend yourself or redo the job.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you scrape a parked car while removing snow from a parking lot or driveway.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help you and your employees after a workplace accident. Most states require it as soon as you hire your first employee. It can help pay for medical bills and lost wages after an accident.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

Very good

Is very easy to work have insurance with next.

Alejandro N.

Professional

Very good

Mike G.

Easy sign up

I needed insurance quickly for my business and Next made it happen!

James T.

Snow removal insurance

Very helpful, fast service. Professional all the way around!

Mike L.

good quoting system

DANIEL G.

Good Service

There was some problems at the beginning. However, Arielle Burg took over the account and did an outstanding job helping me. She resolved the issue quickly.

Lynn A.

Fast and easy

Daniel J.

Great

Robert N.

Easy to use website

LaGean B.

Great

Robert M.

You can save up to 25% in discounts on snow plowing insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$100,000

Tools & Equipment

Per occurrence

$3,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does snow plowing insurance cost?

Snow plowing insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work

Everything you want to know about Insurance

Snow plowing insurance requirements

Snow removal businesses are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about snow plowing insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect snow plowing services?

Our snow plowing insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

You cause damage to a client’s driveway while removing snow. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A snow pile you create edges onto the sidewalk, causing a passerby to trip and fall. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

You forget to clear a business parking lot before they open for the day. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

An employee slips and falls on an icy driveway while on the job. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your snow plow slides on black ice and hits a parked car. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Expensive snow blowers are stolen from your work truck. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs.

Damage to your own property

A water pipe bursts over the weekend, flooding your main office. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.