As winter approaches, many people begin thinking about snow plowing, whether for their own property or as a service for others. If you’re planning to use your vehicle for snow plowing this season, it’s essential to ensure that your insurance coverage is adequate. Personal auto insurance may not provide the protection you need, especially if you’re plowing for hire.
Why You Need the Right Coverage
Using your vehicle to plow snow for business purposes or for others comes with risks that may not be covered under a personal auto policy. Here’s what you should know:
- Commercial Auto Insurance: If you’re plowing snow, most insurance companies will require a commercial auto policy with plowing operations. A commercial policy is specifically designed to cover the risks associated with using your vehicle for business activities, including snow plowing.
- Liability Coverage: Liability coverage is crucial for snow plowing. Whether you’re plowing residential driveways, commercial properties, or public roads, this coverage helps protect you if your plow causes damage to someone’s property or if an accident occurs during the job.
- Physical Damage Coverage: Snow plowing can be tough on your vehicle, and damage is common. Having physical damage coverage ensures you’re protected if your vehicle or plow is damaged during operation.
Eligibility Can Vary
Eligibility for personal auto insurance depends on the type of plowing you’re doing and the specific underwriting rules of the insurer. Many insurance companies will not allow snow plowing for hire under a personal auto policy and will instead require a commercial auto policy for adequate protection. Coverage can also vary depending on whether you’re plowing:
- Residential driveways
- Residential streets & roads
- Commercial properties
- Parking lots
- Municipal plowing
Contact Us to Learn More About Our Snow Plow Programs
At Risman Insurance Agencies, we offer specialized snow plow programs that ensure you’re properly covered this winter. Whether you’re plowing for a business or just helping out around your neighborhood, we can help you find the right coverage for your needs.
Don’t wait until the snow starts to fall! Click the button below to request a quote and make sure you’re fully protected for the season.
Stay safe this winter and drive carefully!
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