Snow Removal Insurance for Contractors in Canada
Protect your winter operations and win bigger contracts.
Snow and ice management comes with unique risks — from slip-and-fall claims to property damage and strict service agreements. Snow Removal Insurance provides the protection contractors need to keep working through Canada’s harshest months.
Program Highlights
- Commercial General Liability: $2,000,000 to $10,000,000 per occurrence
- Medical Payments: $10,000 per person
- Tenants’ Legal Liability: $250,000
- Non-Owned Auto Liability: $2,000,000 to $10,000,000
- SEF 94 Coverage: $50,000 civil liability for damage to hired or operated autos
- Excess and umbrella liability options available
- Employee and employer benefits coverage on request
We underwrite 100% of snow receipts in all provinces except Quebec. All commercial and private sites are eligible, except public roads.
Who Needs This Coverage?
Snow plow and blowing contractors
De-icing and salting services
Snow hauling and relocation providers
Contractors servicing retail lots, industrial sites, hospitals, campuses, and multi-residential complexes
Why Snow Removal Insurance Matters
Winter operations create higher liability exposure. Without coverage, one claim could wipe out an entire season’s profit. This insurance helps contractors:
Meet contractual requirements
Control legal defense costs
Protect cash flow during peak season
Compete for larger, higher-value contracts
What the Policy Covers
Bodily injury and property damage claims
Personal and advertising injury
Medical payments for smaller claims
Tenants’ legal liability
Non-owned auto liability
Common Add-Ons: Umbrella limits, contractor’s equipment, commercial auto, cyber liability.
Qualification Criteria
To qualify, contractors typically need to provide:
- Annual revenue (generally $1,000,000 or more)
- List of clients and service locations
- Copies of contracts and logbooks
- Loss mitigation and risk management strategies
Pricing Factors
Premiums depend on:
- Types of sites serviced (retail, medical, industrial, residential)
- Liability limits required by clients
- Documentation quality (service logs, incident records)
- Territory and snowfall volume
- Claims history and subcontractor arrangements
Why Contractors Choose Ai Insurance Organization
Fast turnaround on certificates and additional insured endorsements
Access to Canada’s leading insurers and Lloyd’s markets
Flexible solutions tailored to contractors of every size
24/7 claims service designed to minimize disruption
What Our
Customers Are Saying
Real reviews from real clients — across commercial lines, personal insurance, and surety bonding. Discover why business owners, families, and professionals across Canada trust Ai Insurance Organization to protect what matters most.
Frequently Asked Questions (FAQ)
Is snow removal insurance mandatory in Canada?
Not legally, but most commercial contracts require proof of coverage.
What limits should I carry?
Many contractors carry $2M, but hospitals, shopping centres, and campuses often require $5M–$10M.
Do you cover all provinces?
Yes, except Quebec. Public road maintenance is excluded.
Can you add my client as an additional insured?
Yes. Certificates and endorsements are issued quickly to meet contract requirements.
Does this cover slip-and-fall lawsuits?
Yes. CGL coverage is designed to respond to third-party bodily injury and property damage claims.
Does this cover my plow trucks and equipment?
No. You’ll need separate commercial auto and contractor’s equipment coverage.
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