{"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":"2026-04-20T15:17:27","modified_gmt":"2026-04-20T19:17:27","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 Assurance entreprise de d\u00e9neigement\", \"description\": \"Assurance pour entreprise de d\u00e9neigement au Qu\u00e9bec : RC chutes, flotte, \u00e9quipement, \u00e9pandage sel. D\u00e8s 3 000 $\/an. Soumission gratuite 2 minutes.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-pour-entreprise-de-deneigement\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Qu\u00e9bec, 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 RC + 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>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 RC $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 defence 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;\">RC 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, RC. <\/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 Assurance<\/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;\">ChAD<\/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\": \"Combien co\u00fbte une assurance d\u00e9neigement au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour une entreprise de 3 \u00e0 10 v\u00e9hicules avec un CA hivernal de 500 000 $ \u00e0 2 M$ : entre 3 000 $ et 12 000 $ par ann\u00e9e. Les contrats municipaux ou de grands stationnements commerciaux augmentent la prime (exposition slip and fall plus grande).\"}}, {\"@type\": \"Question\", \"name\": \"Quelle limite de RC pour le d\u00e9neigement commercial ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les propri\u00e9taires de grands stationnements (centres d'achats, bureaux) exigent g\u00e9n\u00e9ralement <strong>5 M$ de RC, parfois 10 M$ pour les grandes surfaces. L'ajout du gestionnaire comme \u00ab additional insured \u00bb est quasi syst\u00e9matique.\"}}, {\"@type\": \"Question\", \"name\": \"Les chutes de pi\u00e9tons sont-elles vraiment un gros risque ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 c'est le <\/strong><strong>risque n\u00b01 en d\u00e9neigement commercial au Qu\u00e9bec. Une hanche cass\u00e9e chez une personne \u00e2g\u00e9e peut entra\u00eener une r\u00e9clamation de 150 000 $ \u00e0 500 000 $. Les avocats plaidants contactent simultan\u00e9ment le propri\u00e9taire et le d\u00e9neigeur. Un bon historique de passage document\u00e9 est votre meilleure d\u00e9fense.\"}}, {\"@type\": \"Question\", \"name\": \"Je dois d\u00e9clarer chaque v\u00e9hicule ou chaque op\u00e9rateur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<\/strong><strong>Chaque v\u00e9hicule doit \u00eatre d\u00e9clar\u00e9 (avec ann\u00e9e, marque, valeur, usage). Les op\u00e9rateurs doivent d\u00e9tenir un permis de conduire valide et les cours requis. Un op\u00e9rateur sans permis valide peut invalider la couverture automobile.\"}}, {\"@type\": \"Question\", \"name\": \"L'\u00e9pandage de sel peut-il endommager des v\u00e9hicules ou propri\u00e9t\u00e9s ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 et c'est couvert par la <\/strong><strong>RC commerciale. Exemples r\u00e9guliers : corrosion d'un v\u00e9hicule, d\u00e9g\u00e2ts \u00e0 des plantations ornementales, taches sur du b\u00e9ton estamp\u00e9. Documenter l'\u00e9tat des lieux avant le d\u00e9but du contrat aide \u00e0 \u00e9tablir la responsabilit\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Les heures suppl\u00e9mentaires et le d\u00e9neigement 24\/7 sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si votre police inclut les <\/strong><strong>op\u00e9rations 24\/7 \u2014 standard dans les polices d\u00e9neigement. Pas besoin de d\u00e9clarer chaque temp\u00eate. Par contre, un <\/strong><strong>contrat d\u00e9passant votre capacit\u00e9 d\u00e9clar\u00e9e doit \u00eatre signal\u00e9 \u00e0 l'assureur.\"}}, {\"@type\": \"Question\", \"name\": \"Les sous-traitants (d\u00e9neigeurs ind\u00e9pendants) sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non \u2014 chaque sous-traitant doit avoir sa propre RC. Votre police peut inclure une <\/strong><strong>RC subsidiaire des sous-traitants, mais vous devez exiger une attestation d'assurance de chaque sous-traitant. Un sous-traitant non assur\u00e9 qui cause un sinistre devient votre responsabilit\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Je suis un petit entrepreneur avec un pickup \u2014 ai-je besoin d'assurance commerciale ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 votre assurance auto personnelle exclut les <\/strong><strong>activit\u00e9s commerciales. Un accident en faisant du d\u00e9neigement pay\u00e9 sera refus\u00e9 par votre assureur personnel. Le co\u00fbt d'une police commerciale minimale est de 1 200 $ \u00e0 2 000 $\/an pour un pickup.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je combiner d\u00e9neigement et autres services (gazon, pavage) ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 une <\/strong><strong>police multi-activit\u00e9s couvre le d\u00e9neigement hivernal et les services d'entretien paysager estivaux. Prime annuelle typique : 3 500 $ \u00e0 8 000 $ pour une entreprise de 4 \u00e0 8 employ\u00e9s, tous services confondus.\"}}]}\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\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance entreprise de d\u00e9neigement\", \"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. [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":45271,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Quebec Snow Removal Company Insurance 2026 | RC falls","_seopress_titles_desc":"Insurance for snow removal companies in Quebec: fall liability, fleet, equipment, salt spreading. From $3,000\/year. Free quote 2 minutes.  ","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-21194","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/21194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=21194"}],"version-history":[{"count":25,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/21194\/revisions"}],"predecessor-version":[{"id":57842,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/21194\/revisions\/57842"}],"up":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15787"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/45271"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=21194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}