Obtain an insurance plan for a specific duration, whether it be an hour, a day, or a month, in just one minute.
What does Snow Plowing Insurance cover?
Thimble provides Snow Plowing Insurance, which offers extensive liability coverage for landscapers, including snow removers, safeguarding them from potential legal responsibility in different scenarios like:
Third-party, non-employee bodily injury
When you are plowing a busy street, make sure you don’t see a passerby trudging through the snow, especially if they have a non-threatening cut on their ankle that requires a couple of stitches. It is expected that you will cover the medical expenses for this person who ended up needing stitches due to the accident caused by the clips on your snow plow.
Third-party property damage
You have been employed by a cul-de-sac to ensure that the entire street remains free of snow. During your weekly visit, one of the residents is hosting a party. The additional vehicles parked on the street make it difficult to navigate. Unfortunately, your truck accidentally scratches the side of a recently purchased minivan, and you are expected to cover the cost of the damages.
Defense costs
Now you are being forced to hire representation. Instead of taking the blame, they decide to sue you for negligence. Your client gets hit with a blast of air, causing them to fall backwards and sprain their ankle, while some snow blows in from a doorway that opens.
Snow Plowing Insurance FAQs
How fast can I obtain a Certificate of Insurance?
Immediately, you have the option to obtain your Certificate of Insurance (COI) with Thimble’s General Liability Insurance for snow removal. Take as many as you require. Do you desire multiple? And at no cost! You have the ability to acquire as many COIs and insurance quotations as you desire. That’s correct! What is that?
Printer not functioning? No need to worry. Download them all on the Thimble mobile application and access them at your convenience.
The whole process of obtaining an insurance estimate and buying a policy with Thimble only requires 60 seconds.
Does my own Snow Plowing Insurance policy necessary even though the company I am employed in already provides Business Insurance?
Even if you have insurance for your business, it may not cover the damage claims or lawsuits in the case of a snow plowing insurance claim.
It is your responsibility to ensure your own protection in the event of an accident or property damage. Therefore, make sure to obtain a quote on Thimble to determine the appropriate insurance coverage for you. If a lawsuit is ever filed against the company, specifically naming you as an individual, having your own general liability policy in place could assist in safeguarding you from the expenses associated with hiring legal representation.
What are the insurance coverage limits for snow plowing?
If you want to be protected against the risk, depending on the level of risk, you can choose between a policy limit of $2 million and $1 million with Thimble’s Snow Plowing Insurance, with the option of being covered for twice the amount in case of a small difference in price.
Are the injuries that occur in the workplace covered for my employees?
If you are considering hiring fellow snow removers for your business, you should definitely seek your own workers’ compensation policy to cover them. They are not covered by general liability insurance, which only covers medical bills and injuries incurred by third parties and clients, not your employees.
Does Thimble’s Snow Plowing Insurance provide coverage for any damage to my equipment?
If you want to obtain a policy for auto or commercial property insurance, Thimble’s Snow Plowing Insurance may be the solution for melting snow, car, or snowblower that you wish to cover. It only covers work done on single-story residential homes. Additionally, it does not provide general liability insurance that covers damage to property owned by a third party or your client.
How can I obtain Snow Plowing Insurance through Thimble?
With the Thimble app, you can have instant access to your COIs anywhere, anytime. If you need to know some details about your snow plowing service and the desired coverage length, we will need your zip code. Voila! We can then provide you with a policy, get a quote, and have you sign up for snow removal insurance with Thimble. And the best part is, if you have a minute, you can get it all done in no time.
Why do I need Snow Plowing Insurance?
That’s why you need general liability insurance policy, as accidents can happen, and unfortunately, mistakes can occur. If you own a business, the snow removal work can quickly pile up, turning a winter storm into an ice-cold tundra and transforming living conditions into a paradise for chilly people. Our clients are always happy.
When it comes to snow removal, it is crucial to work with a reputable insurance company to ensure that your business is protected. Using a variety of chemical ice melting products, professional snow removal services can cause bodily harm or property damage if not used or placed correctly. Improperly placed snow can lead to cracks in a home’s foundation and frozen pipes, while incorrectly used or misplaced chemical ice melting products can result in damage to property or bodily harm. Therefore, it is essential to hire a professional snow removal company that can prevent any potential lawsuits or sky-high costs that may occur as a result of injuries or property damage during the service period.
Being a professional snowplow, you can rest assured that Thimble from Insurance will help cover any defense costs for property damage and bodily injury incurred as a result of your services. Additionally, you can be protected against the elements with the added benefit of an additional snow/ice removal add-on, which is bundled up to ensure the value of being warm.
With Thimble Snow Plowing Insurance, all snow removal contractors can feel assured to begin tackling the task.
How much does Snow Plowing Insurance cost?
Thimble allows you to decide when you want to pay for insurance, whether it’s by month, day, or hour. Additionally, when you purchase a policy with Thimble, you can add more Insureds for free. On top of that, getting a quote on Thimble is free, which is why it’s beneficial for you to get one. Depending on the job of snowplow removal, the prices of the policy may vary. It is helpful to get a quote because it is based on factors such as the size of your team and the zip code you are in.
Are you in search of adaptable insurance protection that can be tailored on a monthly or on-demand basis? Obtain your complimentary quote for Snow Plowing Insurance from Thimble at present.
Quick-thinking insurance for fast-moving businesses.
Simple.
I suggest contacting the other individuals prior to starting work. In a matter of minutes, you can purchase an online insurance policy through the phone or the application. This will provide you with additional choices and reduce the number of inquiries you may have.
Scalable.
Business really takes off when you choose to upgrade. You can pay either yearly or monthly to get coverage for your job. At every stage, you can get coverage regardless of the size.
Flexible.
Complete Authority. Fluid revisions. Alter, pause, or terminate immediately, regardless of whether productivity decreases or recruitment accelerates.
