Insurance For Snow And Ice Removal

What type of insurance do I need for my Snow and Ice removal business?

Most Snow and ice removal businesses have a Business Owner's Policy called a BOP. A BOP is a great becasue it combines three general insurance coverages and saves you money.

We recommend these products as a base:

• Business Owners Policy: Business owner's insurance, also known as BOP insurance, is a policy that combines both property and liability coverage into one package. It's the most popular type of policy for construction and contrating businesses
• Commercial Auto Insurance: Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving. It can also cover damage to your company vehilces and can include comprehensive coverages - like theft and vandalism and unisu
• General Liability Insurance: General liability insurance policies typically cover bodily injuries or property damage that may result from your products, services, or operations for you and your company.
• Workers Comp Insurance: Each state mandates workers' compensation insurance, which provides varying wage and medical benefits to individuals who sustain injuries or fall ill while working.

How Much Does Snow And Ice Removal Insurance Cost?

• The size of your business
• How many employees work for you
• If you keep customers information stored in a data system
• If you have trucks or vehicles or tow equipment

Your Snow and ice removal business may also need other types of business insurance, like:

• Commercial Umbrella Insurance: Business umbrella insurance is an additional layer of protection for businesses. It sits on top of other insurance policies and helps protect businesses against catastrophic losses.
• Contractors Tool and Equipment insurance: Tools and equipment insurance is a specific form of inland marine insurance that covers the expenses of replacing or repairing stolen, vandalized, or accident-damaged items.
• Professional Liability Insurance: E&O insurance, also referred to as Professional Liability Insurance, provides coverage for legal expenses in the event that a client alleges your work to be inaccurate, delayed, or undelivered.

Similar professions and Snow And Ice Removal business insurance?

• Carpenters
• Commercial builders
• Concrete contractors
• Debris removal
• Electricians
• Excavation contractors
• General contractors
• Handyman services
• Home and commercial appliance repair
• Home inspectors
• Home renovation and remodeling
• Locksmiths
• Masonry contractors
• Painters
• Paving contractors
• Permanent yard contractors
• Plumbers
• Property preservation
• Roofers
• Sheet metal contractors
• Snow and ice removal
• Stucco and plastering