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. 🇨🇦

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.