Whether you own a landscaping business that plows snow on the side, or you are a snowplow contractor just starting out, you need to protect your business from risk.
No one expects to knock down a retaining wall or run over valuable plantings but despite best intentions, accidents do sometimes happen. Snowplow contractors can be sued for many reasons including fender benders caused by company-owned machinery and on-the-job negligence. The right insurance coverage protects your company’s assets by helping control risk and, if needed, pays for work-related losses, legal fees as well as health care bills.
There are five basic types of insurance needed for snowplow contractors:
- Commercial General Liability Insurance
- Commercial Property Insurance
- Workers Compensation Insurance
- Business Auto Insurance
- Commercial Umbrella
“Commercial general liability insurance protects you from bodily injury and property damage you may cause while in the course of doing business,” says Jeff Gray, president of G&A Insurance. “Workers compensation insurance, required by many states, provides medical coverage and lost wages to an to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer.”
New Hampshire https://www.nh.gov/insurance/
Maine https://www1.maine.gov/pfr/insurance/
Massachusetts https://www.mass.gov/orgs/division-of-insurance
At G&A Insurance we have more than 40 years of experience insuring snow plow contractors. From large companies with multiple commercial buildings and a fleet of trucks to smaller businesses with one or two vehicles focused on residential plowing, we work with you to develop the best policy for your business needs.
Have a question about your current policy? Interested in discussing new coverage? Give us a call or send an email to info@gandainsurance.com.
