Snow Plow Insurance in St. Charles
If you’re in the snow removal business in St. Charles, you rely on your snow plow insurance to provide protection for both your vehicles and business.
Snow plow insurance can include a BOP with general liability, worker’s compensation and commercial truck insurance and other coverages that provide protection against costly lawsuits.
Who Needs Snow Plow Insurance?
Snow plow insurance is usually required by law or your snow removal contract. If you earn income by providing snow plowing services to either residential or commercial properties, make sure you’re familiar with the local rules and regulations where you work.
General Liability Policy
A General Liability, or Business Owners Policy (BOP), could provide various protections for snow plowing businesses including claims of injury, property damage, loss of income coverage, or other similar risks.
Workers’ Compensation Insurance
Workers’ compensation insurance could help cover the medical costs and a portion of lost wages for an employee who becomes ill or injured during work. Discover if you’re eligible to include workers’ compensation coverage to your snow plowing insurance package.
Other Types of Insurance
- Commercial Auto Insurance – To protect the truck or fleet of trucks
- Inland Marine Insurance – To protect the actual plowing tool
Snow Plow Insurance for Vehicles
We provide all types of snow plowing vehicle insurance including:
- Pickup Truck Insurance
- Truck Insurance
- Tow Truck Insurance
- Tilt Trailer Insurance
- Low-Boy Trailer Insurance
- Gooseneck Trailer Insurance
If your vehicles are stored during the off-season, you’ll want to consider keeping only your comprehensive insurance during that time. This strategy not only protects your vehicles while in storage, but also eliminates gaps in coverage that can lead to higher premiums.
Do I Need Snow Plow Insurance in St. Charles?
As a local St. Charles Insurance Agency, we can help you determine if you need snow plow insurance. We’re an insurance broker and we work with several insurance companies to help you get the best coverage for the best rates.