The latest zensurance Insurance Essentials column looks at snow removal insurance and how to get affordable coverage.
The cost of snow removal insurance coverage in Canada soared to new heights in 2021. Although we’re still enjoying summer’s warmth, it won’t be long before contractors with snow clearing businesses face the chill of paying wildly expensive premiums or be forced to freeze their operations.
That leaves snow removal businesses, which range from small one-person operations clearing residential driveways and walkways to large subcontractors plowing commercial properties, roads and highways, in a real bind.Here’s a cold, hard fact: Getting a snow removal insurance policy for the forthcoming winter will be difficult and more expensive than you would like.
Watch for hazards. Take the time to identify, assess and minimize any potential dangers on any property you’re clearing. Since slip-and-fall claims have become as popular as owning a mobile phone, strive to reduce the risk of it happening to you. That is particularly true of properties or areas such as public sidewalks and parking lots with a lot of pedestrian traffic.
Make training employees a priority. If you have employees, train them whether they’re experienced or not. Make sure they know all health and safety requirements, plowing techniques and how to operate the vehicles and equipment they use.
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