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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Insurance for snow plowing can help protect you from

The costs of property damage

You accidentally damage a client’s or customer’s property while you’re working.^**

Medical bills after an accident

Someone gets injured on your job site and asks you to cover medical expenses.

The cost of stolen tools

Your work equipment on a job site goes missing and needs replacing so you can get back to work.

Snow plowing insurance designed to protect your business

ERGO NEXT specializes in small business insurance. Snow plowing insurance can help protect you, your business and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, coverage and buy 100% online in about 10 minutes.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) at no extra cost.

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

$300,000

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

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, 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 an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

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 will contact you shortly after you submit to go over the details. Our support team is standing by to help.