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Liability Insurance for Snowplow Operations

Liability Insurance for Snowplow Operations

Liability Insurance for Snowplow Operations

Baby, it’s getting cold outside. That’s the time the snowplows hit the streets to clear the way for vehicles and pedestrians. But it’s also the time for potential accidents and injuries, making liability insurance for snowplow operations a must-have. The top causes of snowplow accidents include slippery or untreated roadways, reckless driving, speeding, inattention from motorists and pedestrians, and low visibility.

Whether you’re hired by a couple of families in the neighborhood or a home association, you need to be well insured — or you can be well on your way to bankruptcy.

If your driver slips and falls and can’t work again, you can be held responsible for his medical costs and his livelihood expenses. If an individual slips on a sheet of ice, you can be left holding the bag. And what if your plow hits a parked car, or a car hits you as it tries to pass you on the road? Get out your wallet, because you can be paying but good. And what about damage from ice and snow sliding into another vehicle as you remove snow?

Unfortunately, many carriers do not offer snow removal insurance. In fact, snow removal insurance can be very difficult to find. To make matters worse, snowplow operators can have many claims against them. Fortunately, XINSURANCE can provide customized snow removal insurance solutions, even if you’ve had many claims or been declined before.


XINSURANCE is powered by Evolution Insurance Brokers, an excess and surplus lines insurance brokerage. Simply put, XINSURANCE provides customized specialty insurance solutions for ever-changing risks and liability issues, including property and casualty insurance — and coverage for snowplow contractors.

XINSURANCE offers customized coverage with an all-in-one approach. By reviewing your operations and experience level, we create a policy to fit your needs. No matter the risk or history, we’re here to help.

When you’re ready to hit the road, put XINSURANCE behind you for greater security and peace of mind. Learn more at our Snow Removal Insurance page.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.