Snow removal is a vital service across Canada—but it’s also one of the highest-liability winter trades. Slip-and-fall claims, vehicle accidents, and property damage can quickly turn a routine job into a costly lawsuit. Proper insurance is critical. 🛡️

Key Risks Snow Removal Contractors Face

Winter operations commonly involve:

• Slip-and-fall injuries on icy surfaces ⚠️🧊
• Claims alleging improper or delayed service 📝
• Damage to curbs, landscaping, or underground utilities 🧱
• Auto accidents involving plow trucks 🚚💥
• Severe weather, poor visibility, and long hours 🌨️

Claims can arise days or even weeks after a snowfall.

Essential Insurance Coverages

• Commercial General Liability (CGL) – Covers bodily injury and property damage ⚖️
• Completed Operations Coverage – Protects against post-service claims 📄
• Commercial Auto Insurance – Required for plow trucks and spreaders 🚜
• Contractor’s Equipment Insurance – Covers plows, blowers, and attachments 🔧
• WSIB / Workers’ Compensation – Mandatory for employee protection 👷‍♂️
• Umbrella Liability – Often required due to high claim severity ☂️

Risk Management Tips

• Use written contracts with clear service triggers and response times 📝
• Keep detailed service logs and timestamps 📊
• Train crews on safety and documentation 🚧
• Verify subcontractor insurance 📋

Final Thought

Snow removal contractors operate in high-risk conditions, under high expectations. The right Canadian insurance program helps keep your business protected—no matter how hard the winter hits. 🇨🇦❄️

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