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.

What Does It Cover?

What Does It Not Cover?

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.
Image of someone shoveling snow with a blue snow shovel.

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.

white icon of a hand on a phone

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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    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

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    July 4, 2025
  • Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

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    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

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    June 27, 2025
  • Very easy to renew policy

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    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.

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    June 18, 2025
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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.

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.

Snow removal liability insurance covers property damage that occurs during residential ice and snow removal, including damage to driveways, garages, fences, and walkways.

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.

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