Do Drivers Need Snow Plow Insurance When Plowing Friends’ and Families’ Driveways?
When plow owners plow driveways and shovel sidewalks for neighbors, friends and family members without charging, they should talk to a trusted independent agent to see what their coverage vulnerabilities may be.
Should drivers charge anyone for snow removal services, however, the service is normally regarded as commercial activity and a commercial snow plow policy is likely necessary. This is true even if the paying customers are close neighbors, friends or family members.
Drivers who are unsure whether their plowing activity warrants a commercial snow plow policy should speak with an insurance agent who specializes in this type of coverage. A specialized agent will be familiar with the nuanced differences between personal auto policies and commercial snow plow policies, and they can direct drivers toward the kind of policy that’s most suitable for their situation.
What Coverages Does Snow Plow Insurance Provide?
There are many different coverages that snow plow policies may offer, and companies can usually select the coverages that are right for their situation. Some of the more frequently selected coverages include:
Do Snow Removal Companies Need a Snow Plowing Policy During Summer?
The insurance needs of snow removal companies typically change in warmer months when there’s no snow to plow. They usually don’t need all of the same coverages that are appropriate when drivers are plowing driveways and parking lots.
Completely canceling a policy, however, can leave a business exposed to risk if their equipment is damaged. In some situations, canceling coverage can also create a gap in protection that may lead to higher insurance premiums in the future.
Instead of completely canceling a policy, companies should work with a knowledgeable agent to adjust their insurance coverages before and after each winter season. An agent can help companies alter their coverages for the warmer months so that their premiums are lower but they still have the protections that should be in place. Before the first snowfall, the agent can also help readjust coverages for the next plowing season.
How Can Companies in Massachusetts Get Snow Plowing Insurance?
If you have a snow removal company that needs insurance, contact the independent insurance agents at Keefe Insurance. Our agents have worked with many plowing companies in Massachusetts, and they have the expertise necessary to get your company a robust snow plowing insurance policy.
