Do Owners of Pickup Trucks Who Plow Neighbors’ Driveways Need Snow Plow Insurance?
Whether someone who’s removing snow needs a commercial snow plow insurance policy usually depends on what the formal arrangement is. If the snow is removed as a kind gesture and no compensation is provided in exchange for the service, then commercial insurance normally isn’t necessary. If money or other compensation is provided, however, a snow plow policy probably is required even if the relationship between the two parties is close.
Thus, owners of pickup trucks who plow neighbors’ driveways just to be nice typically don’t need to purchase a snow plow policy. Those who charge their neighbors for the service might need a policy, though.
What Protections Do Snow Plow Insurance Policies Come With?
The exact coverages that snow plow policies provide can vary from one policy to the next, but there are a few coverages that policies commonly offer as available or standard protections. For example, lots of policies have:
Each of these coverages (and all other coverages offered) ought to be reviewed in detail when selecting a snow plow policy. The auto coverage, however, is especially important. Snow removal companies are regularly sending drivers out at dark hours and in inclement weather, both of which increase the risk of an accident. Therefore, it’s companies generally should take extra care to make sure robust auto coverage is in place.