Snow Removal Insurance Ontario

Canada is well-known around the world for the seemingly endless winters that we face. Unexpected blizzards and dangerous, ice-covered roads are expected when the weather starts to get cold.

Few people recognize the importance of snow removal contractors in keeping our roads clear even during the coldest of winter months. These individuals keep us away from danger by doing the work the rest of us don’t want to do in the dark, early winter mornings. So, it’s only fair that they are safe too. The question now is this: “Do you need insurance for snow removal?”

The answer is yes. Yes, you do. And this is where KASE Insurance comes in.

Snow removal and de-icing come with their own set of dangers and risks, which is why it’s important to have snow removal insurance. Find out how we can help you get the coverage you need this winter!

What Is Snow Removal Insurance?

Snow removal insurance provides a wide range of policies to protect snow removal contractors and their businesses. Due to the nature of their work, snow removal contractors are exposed to a great number of risks, which can include anything from equipment damage, property damage, to third-party injuries.

Of course, the liabilities that are covered within your policy will depend on the specific insurance brokerage that is providing them. At KASE Insurance, you can choose from a range of coverage riders and ensure these policies are tailored to suit your business’s specific needs.

Why is Snow Removal Insurance So Important? 

Whether you are a one-person snow removal operation or you manage a fleet of snow removal trucks, the contract work that you do comes with significant hazards and liabilities. Some of the problems you might encounter while clearing snow include property damage, accidents, slipping on black ice, and the list goes on.

In fact, clearing snow and de-icing roads involves significantly more risk than other contracting work in Canada. Any snow removal insurance brokerage in Ontario will explain how important it is to get insurance coverage. That way, if anything were to happen, you can be given peace of mind knowing that you don’t have to think about financial stress or liabilities.

What Does Snow Removal Insurance Cover? 

KASE Insurance offers completely customizable snow removal insurance policies that are tailored to your individual needs.

As the leading commercial insurance brokerage in the GTA, KASE Insurance will provide you with the snow removal insurance you need to feel completely protected even in the middle of winter.

We will work with you to ensure that you have a comprehensive insurance policy in place in order to shield you against the worst liabilities.

This plan can include coverage for the following:

Property Damage 

When working in such risky conditions, accidents are almost always bound to happen. If you or one of your team members accidentally damages someone’s property, rest assured that you are covered.

Third-Party Injuries 

Slips and falls are common when dealing with ice and snow. If someone injures themselves in your serviced area, snow removal insurance covers you and your team

Legal Expenses 

No one wants to be sued or taken to court, especially considering how expensive and lengthy any legal battle can be. Snow removal insurance can provide coverage for any legal fees you might face when dealing with lawsuits.

Equipment Protection

Your snowplows are your most important assets. Without them, you wouldn’t be able to complete the work you’ve been hired to do. Protect your money-makers with snow removal insurance coverage.

What Are the Types of Claims Under Snow Removal Insurance? 

Since snow removal is a risky business to be in, it comes as no surprise that many need insurance policies to mitigate the hazards that come with the job. Some of the claims that may arise unexpectedly are:

Commercial General Liability Claims 

Even simple incidents, such as your slipping due to the snow surface or your employees getting hit by debris can be the cause of multiple complaints against you, not to mention the amount of medical fees you’d have to shoulder. Having commercial general liability insurance (CGL) on top of your snow removal insurance ensures that you and your business are covered against related injury expenses.   

Tools and Equipment Insurance Claims 

You and your employees leave behind heavier tools and equipment in your truck while working at a job site. If they ever end up stolen or in disrepair, you might need to temporarily rent tools and equipment until you can replace the ones you lost.

Tools and equipment insurance can be added on top of your total snow plowing insurance cost, and you will be reimbursed for the rental expense you shelled out.

Workers Compensation Insurance Claims 

Your workers are vital to your business operations. Their safety should be your top priority, especially in high-risk jobs such as snow removal and de-icing businesses. If one of your employees gets hurt while working on a project, having snow removal insurance coverage can help you pay for medical costs or for the wages lost by the employee while they’re in the hospital. 

Who Needs Snow Removal Insurance? 

All snow removal contractors can greatly benefit from having snow removal insurance in Toronto. Whether you are a residential snow removal contractor or specialize in commercial or provincial space snow removal, ensuring that you have the proper coverage means that you are protected in any kind of situation.

As previously mentioned, snow removal and de-icing can be some of the most dangerous contract work in Canada, with chances of accidents and injuries much higher than any other job. So, make sure you get a policy that will protect you if anything goes wrong.

Why Go With KASE Insurance? 

KASE Insurance is the leading provider of contractor liability insurance across Canada, including snow removal insurance in Toronto. If you’ve had snow removal insurance for years but are shopping around for a better deal, consider KASE Insurance! We’ll work with you to ensure that you are provided with the comprehensive protection that you need in order to feel safe doing what you do best.

The cost of snow removal insurance will vary depending on a number of factors, including your level of experience, past history of claims, as well as your annual revenue. One of our expert team members will gladly speak with you to determine how much you can expect to pay, and we’ll work hard to get you the best rates available.

Protect you and your business with KASE’s snow removal insurance policies. Contact us today to get a free quote!