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New Jersey Snow Removal Insurance – Protect Your Plows

Snow has been fairly absent in New Jersey over the past month, but that all may change over the next week. This Sunday, most of the state will get to see some form of wintery precipitation (and we’re hoping it’s mostly snow). The snow will be our first taste of this year’s version of the Polar Vortex. With plummeting temperatures we’re sure to get snow (and lots of it) in the near future. So, ready your snow plow fleet and make sure you have the proper New Jersey snow removal insurance before your plows hit the streets next week.

New Jersey Snow Removal Insurance – Why Do You Need It?

As a New Jersey snow removal contractor you probably understand that you need some form of insurance to protect your fleet. The problem is, which policies (out of the hundreds that are offered) do you need? General liability insurance and workers compensation are both fairly standard policies for contractors but, as a New Jersey snow removal contractor you need a little bit more than the standard In order to adequately protect your vehicles.

New Jersey snow removal insurance is designed for those individuals who own or operate a snow plow full-time. This policy will not apply to you if you have a snow plow that you use on occasion to spring your neighbors from their homes when they’re snowed in. You have to be working full time as a snow removal contractor in order to qualify for this plan.

There are a few additional circumstances that may cause you to diversify your coverage. For example, if you own a fleet of snow plows and you hire other contractors to operate them then you may want to consider acquiring a Hired and Non-Owned Policy. That ensures that the liability from your policy extends to those contractors who you operate your plows. An extension that could save you a lot of money over the long run.

In addition to your New Jersey snow removal insurance policy you may need general liability, property insurance, equipment insurance and workers compensation. If you’re unsure of what your coverage needs are please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!

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Snow Plow Insurance Will Keep Your Fleet Safe When Things Get Icy

Snow hasn’t started falling… yet. That might be troublesome for those of you who are snow removal contractors but, don’t worry, it will start falling soon. And once it does, we’re sure your fleet will be ready. But, what happens when you run into your first bit of trouble this winter? Trouble that could take a few of your vehicles (or vehicle, if you only have one) off the road. To avoid such a traumatic experience, you may want to consider acquiring snow plow insurance. And here’s why.

Snow Plow Insurance

If you own a snowplow (or fleet of snow plows) you will likely need to attach a snow plow insurance policy to your commercial auto and truck policy. Insuring your snow plow might also be required by law (depending on local and state regulations) so be sure to check with your provider before you send your fleet onto the road this winter. You do not want to have to deal with the fines associated with uninsured vehicles. The good part is most states require you to have insurance before you can obtain a permit so you shouldn’t have to worry too much if you’re unsure as to whether or not you are covered. But, it’s still worth checking up on. As with most niche policies there are a variety of coverages that you can apply to your sun plow insurance policy. Listed below are a few of the most popular coverages that people apply towards said policy.

  • Liability Insurance – you are legally required to carry liability insurance in most states (and in most contracts as well). This coverage is designed to protect you in the event that someone is injured as a result of actions taken by your company (by paying for their medical expenses). It also covers any accidental damage your plows or employees may cause.
  • Collision – Whenever you are operating a vehicle there is always a chance of a collision (no matter how careful you are). And damage from auto collisions can get expensive. With collision coverage you won’t have to worry about the cost of repairing your snow plow, your insurance provider has got it covered.

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