Quebec Snow Removal Company Insurance 2026

SNOW REMOVAL

Insurance for snow removal companies in Quebec

Residential, commercial or municipal snow removal: your #1 risk is a pedestrian’s fall. Protect yourself with a suitable RC + fleet + heavy equipment.

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Starting at $3,000

Annual premium

Slip & fall

Covered

Fleet

Includes

AMF

Certified brokers

Snow removal in Quebec is one of the most prosecuted activities for falls on ice or snow : a pedestrian slips in a commercial parking lot, breaks a hip, and sues the manager AND your snow removal company. Claims regularly exceed $100,000. An adapted policy includes “slip and fall” liability, the fleet of commercial vehicles, equipment (snowblowers, loaders) and salt and abrasive stocks.

Snow removal company — Assur360 insurance

IN BRIEF

Insurance for snow removal companies

Snow removal contractors (residential, commercial, road) have a high liability for slips, falls and damage to property (grass, fences, cars). Minimum RC $2 million.

Specific: a snow and ice operations guarantee covering falls on snow-cleared surfaces (liability 24-48 hours after the operation). Without this, a compromised defence on sliding appeals.

Essential snow removal protections

RC slip and fall

Fall of a pedestrian on a snow/salt surface. Primary source of claims — limit $2 million to $5 million.

Commercial fleet

Trucks with excavators, loaders, tractors, truck-mounted snowblowers. Collision, theft, RC.

Heavy Equipment

Skid steer loaders (Bobcat), industrial snowblowers, tractors, spreaders.

Salt and abrasives stock

Road salt, calcium, sand, crushed stone — against theft and contamination.

Commercial liability

Damage to buildings, fences, street furniture, vehicles during operations.

Business interruption

Loss of winter revenue if your workshop or equipment is out of service.

💡 Broker’s advice

Keep a time-stamped record of each passage (GPS, work order, photos) by address. In the event of a fall lawsuit, the ability to prove the exact time of your last visit, the weather conditions and the spread made can make the difference between a $150,000 settlement and a withdrawal.

Frequently Asked Questions

How much does snow removal insurance cost in Quebec?

For a company with 3 to 10 vehicles with a winter turnover of $500,000 to $2 million: between $3,000 and $12,000 per year. Municipal contracts or large commercial parking lots increase the premium (larger slip and fall exposure).

What is the RC limit for commercial snow removal?

Owners of large parking lots (shopping malls, offices) generally demand $5 million in RC, sometimes $10 million for large box stores. The addition of the manager as “additional insured” is almost systematic.

Are pedestrian falls really a big risk?

Yes — it’s the No. 1 risk in commercial snow removal in Quebec. A broken hip in a senior can result in a claim of $150,000 to $500,000. The litigators contact the owner and the snow removal company simultaneously. A good documented history of passage is your best defense.

Do I have to declare each vehicle or operator?

Each vehicle must be declared (with year, make, value, use). Operators must hold a valid driver’s license and the required courses. An operator without a valid license can invalidate auto coverage.

Can spreading salt damage vehicles or property?

Yes — and it’s covered by commercial liability. Regular examples: corrosion of a vehicle, damage to ornamental plantings, stains on stamped concrete. Documenting the condition of fixtures before the start of the contract helps to establish liability.

Are overtime and snow removal 24/7 covered?

Yes, if your policy includes 24/7 operations — standard in snow removal policies. No need to declare every storm. However, a contract that exceeds your declared capacity must be reported to the insurer.

Are subcontractors (independent snow removal companies) covered?

No — each subcontractor must have its own SO. Your policy may include subcontractor collateral liability, but you must require a certificate of insurance from each subcontractor. An uninsured subcontractor who causes a loss becomes your liability.

I’m a small contractor with a pickup truck — do I need business insurance?

Yes — your personal auto insurance excludes commercial activities. An accident while doing paid snow removal will be refused by your personal insurer. The cost of a minimum commercial policy is $1,200 to $2,000/year for a pickup.

Can I combine snow removal with other services (grass, paving)?

Yes — a multi-activity policy covers winter snow removal and summer landscaping services. Typical annual premium: $3,500 to $8,000 for a company with 4 to 8 employees, all departments combined.

Snow removal companies throughout Quebec

Assur360 supports businesses throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières and Saguenay. From Laval to Quebec City, from large commercial parking lots to municipal contracts in the regions: our brokers are familiar with the requirements of property managers, shopping malls and public administrations who often impose specific limits and clauses.

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