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Snow Removal Insurance: What Facility Managers Should Know

November 16, 2021
Snow Removal Insurance: What Facility Managers Should Know
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Winter is on the way, and businesses throughout Wisconsin and Minnesota know what to expect. The winter in Midwest states presents a multitude of challenges to businesses, from blocked parking lots and unsafe sidewalks to the headache of clearing snow safely.

Earth Development not only provides Midwest businesses with a convenient, reliable, and regular snow removal service, but we also aim to provide facility managers with important information they need to know.

In this piece, we’ll explore insurance for snow removal companies and why it’s relevant to you.

What Is Snow Removal Insurance and What Does It Cover?

What Is Snow Removal Insurance

Snow removal general liability insurance protects snow removal contractors in the event that an accident occurs. This may relate to an injury or damage caused during the snow removal process.

And, while the snow removal process is designed to help avoid slips and falls, there is always the possibility that somebody slips and falls anyway. In this instance, the snow removal insurance protest facility managers in that the liability lies with the snow removal professionals who worked on your property.

Snow removal insurance is designed to protect businesses that hire the services of snow removal professionals, as well as the snow removal professionals themselves.

It’s important, when hiring a snow remover, to request certification and documents relating to this insurance.

What Else Can Be Covered By Snow Removal Insurance?

What Can Be Covered By Snow Removal Insurance

Snow removal insurance benefits you as a facility manager or business owner in several ways.

Equipment Breakdown Coverage

When your snow removal company has full coverage, they will not be left without necessary equipment in the event of a breakdown. Not only is it important to hire a team of local professionals who have all the right tools and a large fleet of vehicles but choosing a company with sufficient insurance means that in the event their tools or vehicles break down, their insurance will ensure that they are back up and running in no time.

Damage to Your Property Is Covered

In the event that any damage is caused to your property during the snow removal process, the insurance means that the damage will be repaired and you will be compensated by their insurance policy.

Legal Expenses

Should a lawsuit be filed in relation to the snow removal process, legal expenses will be covered by this insurance.

How Much Does Snow Removal Insurance Cost?

The cost of insurance policies varies dramatically. Minimum premiums are usually somewhere between $5,000 and $25,000 – but it really depends on the size of the snow removal company, the amount of work they perform every year, and their history.

Always Ask Your Snow Removal Contractor About Insurance

Snow Removal Company Insurance

As a facility manager or business owner, it’s your responsibility to ensure that the snow removal team you work with is fully insured. It protects your business, your customers and employees, and ensures that the job is done to the highest standard possible throughout the winter.

Before concluding a contract, you should carefully consider your options. Don’t make a common mistake when you choose your contractor and ensure that you fully understand the snow removal contract.

Earth Development – Your Reliable Snow Removal Partner

So, remember – before you book, ensure your contractor has commercial snow removal insurance.

At Earth Development, our teams of local professionals throughout Wisconsin, Minnesota, and the rest of the Midwest are all fully insured and trained to provide safe snow removal services.

For a consultation or to find out more about how we can help your business this winter, call Earth Development today at (920) 406-1422!

Let Us Help You
The amount of snow Minnesota gets each winter fluctuates, but it’s typically safe to expect a consistent amount throughout the winter months. Last year, did you have enough space on your property to store plowed snow?