{"id":21194,"date":"2025-08-14T14:12:16","date_gmt":"2025-08-14T18:12:16","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21194"},"modified":"2026-06-26T02:37:54","modified_gmt":"2026-06-26T06:37:54","slug":"insurance-for-snow-removal-companies-get-a-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/insurance-for-snow-removal-companies-get-a-quick-quote\/","title":{"rendered":"Snow removal company insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Business insurance for snow removal\", \"description\": \"Insurance for snow removal companies in Quebec: liability for falls, fleet, equipment, salt spreading. Starting at $3,000\/year. Free quote in 2 minutes.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-pour-entreprise-de-deneigement\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Quebec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">SNOW REMOVAL<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Insurance-for-snow-removal-companies-in-Quebec\"><\/span>Insurance for snow removal companies in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Residential, commercial or municipal snow removal: your <strong>#1 risk is a pedestrian&#8217;s fall<\/strong>. Protect yourself with a suitable liability + fleet + heavy equipment. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Starting at $3,000<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Slip &#038; fall<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Covered<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Fleet<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Includes<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Snow removal in Quebec is one of the most prosecuted activities for <strong>falls on ice or snow<\/strong>: a pedestrian slips in a commercial parking lot, breaks a hip, and sues the manager <strong>AND<\/strong> your snow removal company. Claims regularly exceed $100,000. An adapted policy includes &#8220;slip and fall&#8221; liability, the fleet of commercial vehicles, equipment (snowblowers, loaders) and salt and abrasive stocks.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-entreprise-deneigement.jpg\" alt=\"Snow removal company \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Insurance-for-snow-removal-companies\"><\/span>Insurance for snow removal companies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Snow removal contractors (residential, commercial, road) have <strong>a high liability for slips, falls and damage to property<\/strong> (grass, fences, cars). Minimum liability $2 million. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Specific:<\/strong> a <em>snow and ice operations<\/em> guarantee covering falls on snow-cleared surfaces (liability 24-48 hours after the operation). Without this, a compromised defense on sliding appeals. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-snow-removal-protections\"><\/span>Essential snow removal protections<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Liability for slip and fall<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Fall of a pedestrian on a snow\/salt surface. Primary source of claims \u2014 limit $2 million to $5 million. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Commercial fleet<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Trucks with excavators, loaders, tractors, truck-mounted snowblowers. Collision, theft, liability. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Heavy Equipment<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Skid steer loaders (Bobcat), industrial snowblowers, tractors, spreaders.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Salt and abrasives stock<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Road salt, calcium, sand, crushed stone \u2014 against theft and contamination.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Commercial liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Damage to buildings, fences, street furniture, vehicles during operations.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Loss of winter revenue if your workshop or equipment is out of service.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">Keep a <strong>time-stamped record of each passage<\/strong> (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. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does snow removal insurance cost in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">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). <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">What is the RC limit for commercial snow removal?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Owners of large parking lots (shopping malls, offices) generally demand <strong>$5 million in RC,<\/strong> sometimes $10 million for large box stores. The addition of the manager as &#8220;additional insured&#8221; is almost systematic. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are pedestrian falls really a big risk?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 it&#8217;s the <strong>No. 1 risk in commercial snow removal<\/strong> 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.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Do I have to declare each vehicle or operator?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Each vehicle<\/strong> must be declared (with year, make, value, use). Operators must hold a valid driver&#8217;s license and the required courses. An operator without a valid license can invalidate auto coverage.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Can spreading salt damage vehicles or property?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 and it&#8217;s covered by <strong>commercial liability<\/strong>. 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.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are overtime and snow removal 24\/7 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, if your policy includes <strong>24\/7 operations<\/strong> \u2014 standard in snow removal policies. No need to declare every storm. However, a <strong>contract that exceeds your declared capacity<\/strong> must be reported to the insurer.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are subcontractors (independent snow removal companies) covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">No \u2014 each subcontractor must have its own SO. Your policy may include <strong>subcontractor collateral liability<\/strong>, but you must require a certificate of insurance from each subcontractor. An uninsured subcontractor who causes a loss becomes your liability.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">I&#8217;m a small contractor with a pickup truck \u2014 do I need business insurance?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 your personal auto insurance excludes <strong>commercial activities<\/strong>. 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.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Can I combine snow removal with other services (grass, paving)?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 a <strong>multi-activity policy<\/strong> 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. <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Snow-removal-companies-throughout-Quebec\"><\/span>Snow removal companies throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. 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. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Business Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-by-activity\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Commercial Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-construction\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Construction Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Trucking Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.cnesst.gouv.qc.ca\/fr\" rel=\"nofollow noopener\" target=\"_blank\">CNESST \u2014 winter risks<\/a><\/li>\n<li><a href=\"https:\/\/www.transports.gouv.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">Quebec Ministry of Transport<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">Chamber of Insurance<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How much does snow removal insurance cost in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"For a company with 3 to 10 vehicles and a winter revenue of $500,000 to $2M: between $3,000 and $12,000 per year. Municipal contracts or large commercial parking lots increase the premium (greater slip and fall exposure).\"}}, {\"@type\": \"Question\", \"name\": \"What liability limit for commercial snow removal?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Owners of large parking lots (shopping centers, offices) generally require <strong>$5M in liability, sometimes $10M for big box stores. Adding the manager as an 'additional insured' is almost standard.\"}}, {\"@type\": \"Question\", \"name\": \"Are slip and fall accidents really a big risk?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 it is the <\/strong><strong>number 1 risk in commercial snow removal in Quebec. A broken hip in an elderly person can lead to a claim of $150,000 to $500,000. Plaintiff lawyers simultaneously contact the property owner and the snow remover. A good documented history of visits is your best defense.\"}}, {\"@type\": \"Question\", \"name\": \"Do I need to declare each vehicle or each operator?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<\/strong><strong>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 the auto coverage.\"}}, {\"@type\": \"Question\", \"name\": \"Can salt spreading damage vehicles or properties?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 and it is covered by the <\/strong><strong>commercial liability. Regular examples: vehicle corrosion, damage to ornamental plants, stains on stamped concrete. Documenting the condition of the premises before the start of the contract helps establish liability.\"}}, {\"@type\": \"Question\", \"name\": \"Are overtime and 24\/7 snow removal covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, if your policy includes <\/strong><strong>24\/7 operations \u2014 standard in snow removal policies. No need to declare each storm. However, a <\/strong><strong>contract exceeding your declared capacity must be reported to the insurer.\"}}, {\"@type\": \"Question\", \"name\": \"Are subcontractors (independent snow removers) covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No \u2014 each subcontractor must have their own liability. Your policy may include a <\/strong><strong>subcontractor liability, but you must require a certificate of insurance from each subcontractor. An uninsured subcontractor who causes a loss becomes your responsibility.\"}}, {\"@type\": \"Question\", \"name\": \"I am a small contractor with a pickup \u2014 do I need commercial insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 your personal auto insurance excludes <\/strong><strong>commercial activities. An accident while doing paid snow removal will be denied by your personal insurer. The cost of a minimal commercial policy is $1,200 to $2,000\/year for a pickup.\"}}, {\"@type\": \"Question\", \"name\": \"Can I combine snow removal and other services (lawn care, paving)?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 a <\/strong><strong>multi-activity policy covers winter snow removal and summer landscaping maintenance services. Typical annual premium: $3,500 to $8,000 for a company with 4 to 8 employees, all services combined.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Snow Removal Business Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-pour-entreprise-de-deneigement\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>SNOW REMOVAL Insurance for snow removal companies in Quebec Residential, commercial or municipal snow removal: your #1 risk is a pedestrian&#8217;s fall. 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