Snow Plowing Liability for Completed Operations

Auto Policy Coverage

An auto policy provides coverage during the plowing process. For example, if your truck accidentally hits a parked car and scrapes its side, your auto policy would pay for damage to the parked vehicle.

Completed Operations Liability and Coverage

What about your liability after the snow plowing operation is done, aka “completed operations?”

• What is the condition of the surface?
• Is there snow/ice remaining?
• What if someone slips and falls?
• Does your auto policy provide coverage? “No” because the vehicle was not involved.

To have “completed operations” liability coverage in the event of a slip/fall claim or other situation, it is critical for a snow plowing business to have a general liability policy.

Other Issues to Keep in Mind

• A personal or commercial auto policy does not cover the value of a snow plow and hitching equipment unless it is listed as optional equipment. Provide your agent with a receipt or documentation so that the value of your plowing equipment can be added to your policy.
• If using your vehicle to plow for a fee, your auto policy needs to be classified for “Business Use”; otherwise, you may not have coverage for a plowing-related claim.
• If you are required to list an “Additional Named Insured” on the policy, you will need a commercial auto policy, not a personal one.

Please Contact Us by phone or send us an email at assistance@dfmurphy.com if you have questions about snow plow coverage. We want to help you get the coverage you need.