Snow removal services in Ontario are absolutely necessary as there are many Ontarians that are unable to perform these service for themselves. However, by performing any service for a customer, there are precautions that should be taken to ensure your business stays safe and successful.
Commercial General Liability
Commercial general liability coverage is able to cover costs associated with third party property damage or bodily injury due to your work.
Property Damage
Property damage that could result in you paying for damages can range. Maybe you scraped a car or chipped a driveway while on the job. Regardless of how small the incident is, the cost to replace or repair property damages can get expensive. Your back is covered in the event of accidental damages with a commercial general liability policy. It is important to note that general liability policies do have limitations and don’t cover damage done on purpose or damages sustained from obvious negligence.
Property Damage
Property damage that could result in you paying for damages can range. Maybe you scraped a car or chipped a driveway while on the job. Regardless of how small the incident is, the cost to replace or repair property damages can get expensive. Your back is covered in the event of accidental damages with a commercial general liability policy. It is important to note that general liability policies do have limitations and don’t cover damage done on purpose or damages sustained from obvious negligence.
Commercial Auto Insurance
When you drive a snowplow, you need commercial auto coverage, which will be a different policy compared to your personal auto insurance. If you only have personal auto insurance and get into an accident while performing your duties, the damages will not be covered becausee your vehicle is only insured for personal use. In addition to protecting your vehicle, you can add coverage to your commercial auto insurance policy to help protect your snow blade
Cyber Insurance
When looking into insurance coverage for different aspects of your snow removal business, cyber threats should be accounted for. Although your work is mostly clearing away snow and ice, if you use your phone or computer to book appointments and accept payment, you are susceptible to cyber-attacks and data breaches. These breaches can result in great financial loss; the proper insurance policy can help cover all associated costs.
Cyber Insurance
When looking into insurance coverage for different aspects of your snow removal business, cyber threats should be accounted for. Although your work is mostly clearing away snow and ice, if you use your phone or computer to book appointments and accept payment, you are susceptible to cyber-attacks and data breaches. These breaches can result in great financial loss; the proper insurance policy can help cover all associated costs.
Commercial General Liability
Property Damage
Commercial Auto Insurance
Cyber Insurance
To learn more about how you can be covered, to request a consultation or to receive your personal quote, call isure insurance. Our experienced employees are more than happy to outline anything in your prospect policies. Our claims team is available 24 hours a day, and we keep all policies up to date!
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