One slip on the ice has the potential to sideline your snow removal company, so it’s important to put safety measures in place from the outset. The risk mitigation tips below can help you avoid costly insurance claims to keep your snow removal business protected.
It’s a good idea to keep a comprehensive logbook of snow and ice removal activity for your records that includes the specifics of every property serviced, including the address, day and time at the premises, amount of accumulated snowfall, and weather conditions. You should also make an advance visit to each site to document the condition of the pavement or other hazards (e.g., a pothole) that might not be visible when the property is snow covered. You can access our convenient logbook above in the format that’s best for you.
You should understand your snow removal contract inside and out*. There is no standardized contract for snow removal companies, so it’s important to carefully review every contract to make sure you understand what you’re committing to. Are you required to arrive within 45 minutes of the last snowfall? When there’s 2 inches of snow or more? Do not take on any responsibilities beyond your control, like being responsible for ALL slips and falls; they could be the result of property defects. Ensure that all indemnification items are listed and that you’re comfortable with the details of the contract before you sign.
Make sure to conduct regular equipment maintenance to keep your snowplows in tiptop shape so they’re always at the ready. Here are some handy checklist items to help take you through the season.
Take photos of each property in advance of the season and add them to your logbook to visually show the conditions before the first snow.
Value Creation Executive
ProSight Specialty Insurance
As our MGU, Cornerstone Underwriting Partners has the depth and knowledge to bring smart, strategic solutions customized for the needs of snow removal contractors. Cornerstone is technology based with experienced staff, as well as dedicated underwriters and processing systems.