Landscaper insurance guide
Snow removal insurance
Winter snow and ice contracts keep crews busy but carry a distinctive liability risk.
Why it is excluded
Slip-and-fall claims on icy lots can be severe and may surface long after the storm. Many insurers exclude snow work unless specifically underwritten.
Contracts and documentation
- Clear scope: triggers, plowing, salting, and response times
- Hold harmless and additional insured terms
- Logs of service times, weather, and materials
- Photos after service
Frequently asked questions
Is snow plowing covered by my landscaping policy?
Often not. Many landscaping policies exclude snow and ice removal; it must be added or bought separately.
Why are slip-and-fall claims a concern?
Property owners and visitors may claim injuries on ice at sites you service.
Is my plow truck covered?
Commercial auto covers the truck; confirm plow attachments and plowing use are disclosed.
More coverage and guides
- General liability for landscapers
- Workers' compensation for landscapers
- Commercial auto for landscapers
- Tools and equipment coverage
- Insurance for lawn care businesses
- Tree and shrub service insurance
- Irrigation contractor insurance
- Groundskeeping insurance
- Pesticide and herbicide liability
- What affects landscaper insurance cost
- Landscaping crew safety checklist
- Snow removal insurance
- Landscaper insurance application checklist
Last updated October 15, 2026 · How we research