Snow Plowing This Winter? Make Sure You’re Actually Covered

If you're a contractor in New Jersey who plows snow in the winter—whether as a full-time gig or a seasonal add-on—you need to pay close attention to your insurance. Many contractors assume their general liability policy will cover snow plowing automatically. The truth is, most policies either exclude it entirely or severely limit the coverage.

That’s right—many insurance carriers have snow plow exclusions built right into their general liability policies. This means if you damage property, hit a parked car, or someone slips and falls on a lot you plowed, your insurance may not cover the claim at all. One snow-related incident could lead to thousands in legal fees, damages, and out-of-pocket costs.

Snow plowing brings a unique set of risks: icy conditions, poor visibility, nighttime work, and heavy equipment all raise the chance of accidents. From damaging curbs or storefronts to injury claims from improperly cleared lots, the exposure is real—and courts often place the liability squarely on the contractor.

At our agency, we understand the seasonal nature of your business and the liability that comes with snow removal. We make sure you’re insured through carriers that do not exclude snow plowing operations or can add it back in through endorsements. We’ll also help you select proper coverage limits and review your contracts to make sure you’re not taking on more risk than your policy allows.

Don’t wait until after the first snowfall to check your coverage. If your current policy excludes snow plowing—or buries it in fine print—you could be plowing your way straight into a lawsuit. Let us review your insurance and help ensure your business is fully protected before the snow hits.