Snow Removal Service General Liability Insurance

Running a snow removal service isn’t just about clearing driveways and parking lots. There’s liability risk in every job — from damaging someone’s property to a passerby slipping on untreated ice. Snow removal service general liability insurance protects your business from claims of bodily injury or property damage caused during your operations.

Is Snow Removal Service General Liability Required?

Yes — in most places, general liability insurance isn’t just smart, it’s required. Many states like New York, Illinois, Massachusetts, and Michigan mandate snow removal businesses carry this coverage to operate legally. But even in states where it’s not enforced by law, you’ll likely need it to win contracts.

Property managers, commercial building owners, and HOAs almost always demand proof of insurance before hiring. They want peace of mind that if something goes wrong, your business — not theirs — is on the hook. And if you’re working with government contracts, forget about getting the job without coverage. Bottom line? If you’re pushing snow for money, you should carry general liability.

What's Covered Under Snow Removal Service General Liability Insurance

General liability insurance steps in to cover the accidents you don’t see coming. Here’s what it typically includes:

Bodily injury to others — Like a pedestrian slipping on ice near a freshly plowed area.
Property damage — Say your snow plow accidentally dents a client’s garage door.
Legal defense costs — If a lawsuit’s filed against your business, your policy helps pay attorneys and court fees.
Medical payments — Covers small injuries even without a lawsuit, like if a customer trips on your equipment.
Advertising injury — Covers claims of libel, slander, or copyright misuse in your ads or social posts.

This is your frontline defense against expensive claims that could bankrupt a small snow business.

What Does Snow Removal Insurance Not Cover?

While general liability covers a lot, it doesn’t cover everything.

Here’s what’s usually excluded:

Employee injuries — If your worker strains their back lifting a snowblower, that’s a workers’ comp claim, not general liability.
Damage to your own equipment — Say your salt spreader freezes and cracks. General liability doesn’t pay for that. You’d need tools or equipment coverage.

Think of it this way: if the claim is from someone outside your business for injury or property damage — you’re likely covered. But damage to your own stuff, or harm to your own team? That’s another policy.

Other Insurance Snow Removal Businesses Usually Carry

Smart snow pros don’t stop at general liability. Here’s what else you’ll probably need — and why:

Tools & Equipment Insurance
Example: Your snowblower gets stolen from a job site trailer overnight.
Commercial Auto Insurance
Example: You rear-end a parked car while plowing a tight cul-de-sac.
Workers’ Compensation Insurance
Example: One of your employees slips on ice while loading salt bags and fractures a wrist.
Excess Liability / Umbrella Insurance
Example: A massive lawsuit exceeds your standard liability limits — umbrella steps in to cover the rest.
Surety Bonds
Often required for municipal contracts as a guarantee that you'll complete the job as agreed.
Professional Liability (Errors & Omissions)
Example: A client sues because you failed to clear a property on time, leading to a business shutdown.

USA Insurance — Get Snow Removal Liability Insurance

We don't want to just sell you policies. We want to be your problem-solving partner. Our main office is located in Burbank CA, and we offer the local, personalized service in all 50 states. USA Insurance has nearly 20 years of experience working with commercial needs, and our team excels in tailoring coverage towards your unique risks. We're so good that 99% of our customers have stayed with us over the years. When you're ready for that level of satisfaction too, give us a call.

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