Living in New Hampshire, we are accustomed to receiving significant amounts of snow in the winter, and some residents take precautions like investing in a plow to assist with snow removal. Although a snow plow can be your best friend after a winter storm hits, it’s important to ensure that you have coverage for your plowing operation, especially if you plow out others for profit.
When it comes to plowing insurance coverage, the distinction between plowing for profit and plowing out your own driveway and perhaps your neighbors’ driveways as a courtesy, matters greatly. Non-commercial snow plowing activities are typically covered under your personal auto insurance policy. On the other hand, plowing for profit normally requires a separate policy, considering that it raises entirely different coverage questions.
If you run a plowing operation that generates income, it’s best to invest in a separate commercial snow plow insurance policy to ensure that you will have coverage under the following circumstances:
1. Your truck and plowing equipment sustain damage. It can be costly to replace vehicles and snow plows, especially newer ones, so it’s crucial to have coverage in the event that your truck or plow is damaged or stolen.
2. You are deemed liable for damaging someone else’s property while plowing. In today’s litigious society, you never know when an accident might turn into a lawsuit, so it’s important to be protected in case a liability issue arises from your snow plowing operation, such as you or one of your employees being deemed responsible for damage to someone else’s property.
For answers to any coverage questions you have about your for-profit snow plowing operation and to ensure that you have adequate protection, it’s best to contact your independent insurance agent. At Knapton, Reade & Woods, our agents will analyze the specific exposures your snow plow operation faces, and create custom coverage accordingly. For additional information and to get a free quote for commercial snow plowing insurance in NH, please call us today at 603-464-3422 or click below to submit our online quote request form.
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