Ice and Snow Removal Insurance for Landscaping Businesses
Landscapers don’t stop in winter. Neither do we. Ice and snow removal insurance expands your coverage to winter jobs, providing essential protection so there’s no such thing as an “off season.”
What Is Residential Snow Removal Insurance?
Residential snow removal insurance is an optional add-on for landscapers who offer snow and ice removal for homes and small multi-family properties. This additional coverage builds on your landscaping insurance with coverage for common risks associated with residential snow removal.
- Residential driveways and walkways
- Single-family homes
- Small multi-family residences (duplexes, 3–4 units)
What Does It Not Cover?
- Public, commercial, or industrial properties
- Public roads, highways, or sidewalks
- Heavy equipment use (except for residential walkways and driveways)
- Commercial snow contracts
Do Landscaping Businesses Need Snow Removal Insurance?
If your business offers residential ice and snow removal, insurance protects your company from costly third-party claims and legal expenses. Winter jobs introduce hazards that can turn profitable off-season work into unexpected and expensive setbacks, but insurance provides a financial safety net.
How snow removal insurance helps your business:
- Client and HOA requirements: Some residential contracts require proof of insurance before work begins. Without it, your business could miss out on jobs.
- Financial protection: Without insurance, even a single incident could result in fees, lost income, and fewer winter jobs.
- Credibility: Proof of insurance coverage helps build client trust and can lead to more consistent work throughout the season.
Landscaping Professions We Cover
Common Ice and Snow Removal Risks for Landscapers
Even the simplest winter jobs pose unique financial risks for landscapers. Residential snow removal insurance helps you avoid paying for accidents like:
A plow hits uneven pavement and cracks the homeowner’s driveway
You’re clearing snow from a client’s driveway when your plow blade catches uneven concrete and leaves a visible crack. With snow and ice removal coverage, you avoid paying out-of-pocket to repair the damage.
A snowblower throws ice and breaks the client’s garage window
While finishing up a driveway job, your snowblower throws a chunk of ice at the customer’s garage window and breaks it. Without insurance, you’re financially responsible for any damage to the owner’s property.
An employee accidentally breaks a decorative path light while shoveling a walkway
One of your workers hits a resident’s path light while shoveling their walkway, damaging it beyond repair. With the snow removal endorsement, the cost to replace and install a new light is covered.
How Much Does Snow Removal Insurance Cost?
Adding the snow and ice removal endorsement to your policy starts at $217/mo. with a $300,000 sublimit. Combined with your existing landscaping insurance at $33.75/mo., this coverage gives you the protection and peace of mind you need for a productive winter season.
How to Get Landscaping and Snow Removal Insurance
There are two easy ways to add the snow and ice removal endorsement to a landscaping insurance policy:
- Add the coverage when purchasing landscaping insurance: Select the snow removal endorsement when applying for a new policy
- From your online dashboard: If you already have a landscaping policy, you can log in to your account and add ice and snow removal coverage in minutes.
After checking out, your Certificate of Insurance (COI) will be ready to download.
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
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June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
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June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
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June 18, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025 -
They can help.you with the right Insurance you need, and the lowest price
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May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
Affordable for dance & yoga folk. Thumbs up!
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April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More online! Thank you.
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April 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
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March 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More never had to file a claim yet and hope to keep it that way, so I cannot comment as how well they respond to that.
John Corkins
March 18, 2025 -
I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More a personalized policy.
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February 18, 2025Great for Event Insurance - most affordable
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February 18, 2025I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
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February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
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Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
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January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
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Chad Laibly
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025
FAQs About Residential Snow Removal Insurance
Is snow and ice removal insurance separate from my landscaping insurance?
The snow and ice removal endorsement is an optional add-on for your existing landscaping insurance policy. You need a general liability policy to purchase this additional coverage.
Why do landscapers need special insurance for snow and ice removal?
Landscapers need snow and ice removal insurance to protect against financial risks not present in regular lawn care. Using equipment like snowblowers, plows, and snow shovels to clear walkways and driveways introduces new property damage risks, requiring more specialized coverage.
What does snow removal liability insurance typically cover?
Snow removal liability insurance covers property damage that occurs during residential ice and snow removal, including damage to driveways, garages, fences, and walkways.
What happens if I don’t have snow removal coverage?
Without snow removal coverage, your business is financially responsible for any damage to a client’s property during your service. On top of expensive repairs and replacements, some clients and HOAs will not work with companies that aren’t insured.
Protect Your Business All Year Long
Don’t let expensive claims grind your winter season to a halt. Add the snow removal endorsement to your landscaping insurance policy to protect your business and keep the winter jobs coming.