Winter brings not only beautiful snow-covered landscapes but also the responsibility of managing snow and ice on your property. Whether you’re an individual plowing your driveway or operating a snow removal business, understanding the insurance implications is crucial. At Emery & Webb Insurance in Fishkill, NY, we’re here to provide you with the information you need to make informed decisions about snow plowing insurance.
Personal Use: Coverage Under Auto Policies
If you have a plow attached to your pickup truck and you’re using it for personal purposes, such as clearing your driveway or helping out a friend or family member, your personal auto policy may extend liability and physical damage coverage to your plow. However, it’s essential to ensure that you have the necessary coverages purchased for your pickup truck. Always consult with an insurance professional for specific details based on your situation.
Commercial Use: The Need for a Commercial Auto Policy
For individuals engaged in snow removal as a full- or part-time contractor, operating as a business introduces risks not covered by a personal auto policy. In such cases, a commercial auto policy becomes necessary. Emery & Webb Insurance can help you get a quote based on your unique needs and budget.
General Liability for Snow Removal Businesses
Snow plowing and removal are typically covered by general liability insurance. However, it’s crucial to be aware of potential exclusions for specific methods of snow removal or equipment, depending on the carrier. Normal truck insurance won’t cover damage if you’re plowing someone else’s property or operating as a business. Commercial snowplowing requires liability coverage to address the unique risks associated with providing this service.
Protecting Your Snow Removal Business
Owning a snow removal business involves various risks, from property damage to bodily harm. Professional snow removal may include the use of chemical ice-melting products, which, if misplaced or used improperly, can lead to liability issues. Incorrectly placed snow can result in frozen pipes and damage to a property’s foundation. To safeguard your business, it’s imperative to work with a reliable insurance company.
Emery & Webb Insurance: Your Trusted Partner
At Emery & Webb Insurance, we understand the importance of keeping your snow removal business protected. Our experienced agents can guide you through the complexities of insurance, ensuring you have the coverage you need. We focus on addressing the unique challenges of professional snow removal, providing peace of mind during the winter season.
Don’t hesitate to reach out to Emery & Webb Insurance at (845) 896-6727 if you have any questions or need assistance with your snow plowing insurance. We’re here to help you navigate the winter terrain and protect what matters most to you. Stay safe and secure with Emery & Webb Insurance.