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What is the AC&D Snow Removal Insurance Program?

AC&D's Snow Removal Insurance provides coverage specific to the risks faced by Snow Removal Contractors at the best prices possible. AC&D Insurance represents over 50 insurance companies, including direct contract's with Lloyd's of London that offer coverage packages specific to snow removal industry.

Finding the right insurance for Snow Removal operations requires the assistance of a broker with knowledge and experience in the your industry.
At AC&D Insurance we partner each business with a professional broker that has experience insuring contractors of all sizes.


How do I get a quote for Snow Removal Insurance?

To obtain a Contractor Insurance request a quote or contact us.

Snow Removal Commercial General Liability

Snow Removal General Liability – Primary Coverage Considerations

  • Litigation can have a serious financial impact to your business operations, not to mention that it could hurt your reputation. AC&D's coverage for a snow removal contractor can help to defend your business against claims and, if you are found legally responsible, can pay for losses your business incurs for injuries sustained by others or damage to property owned by others.
  • Bodily Injury & Property Damage Liability: Covers those sums that the Insured becomes legally obligated to pay as compensatory damages because of bodily injury or property damage to property of others.
  • Broad Form Completed Operations: The Broad Form Completed Operations Endorsement narrows the exclusion of the CGL to exclude only that part of the insured’s work that is defective. Without this extension all of an insured’s work is excluded from coverage by the CGL . With this extension, resultant damage to the rest of the insured’s work that is not defective will be covered by the CGL.

General Contractor Property Insurance – Primary Coverage Considerations

  • Equipment Floater: Covers contractor’s equipment anywhere in North America – at a storage location, in transit, at a job site, etc. Excludes marine exposures other than on a passenger & vehicle ferry service. Each item can be scheduled and insured for a value specified or insured on a blanket basis with a maximum limit per item and a maximum limit for all items.
  • Equipment rented or leased from others: Covers equipment rented, leased, or borrowed from others on a short-term basis. Typically this coverage is added on a blanket basis with a maximum limit per item and a maximum limit for all items rented, leased, or borrowed.
  • Tool Floater: Covers tools at any location, whether at the insureds premises, inside a vehicle, or at a job site. Often this coverage has a maximum value for any one tool, such as $500 – $1000 and tools of a higher value need to be scheduled.

Why should I choose AC&D for my Snow Removal Contractor Insurance needs?

AC&D has the history and track record insuring snow removal contractors of all sizes. Our experience and market strength ensures we can get you the best policy for the best price.

How much does Snow Removal Contractor Insurance cost?

The cost of contractor Insurance differs based on the scope of your operation and limits of coverage selected. A basic liability policy for a sub-contractor can start as low as $3000. Contact Us today to arrange a no-obligation review of your Contractor Insurance needs from one of our expert brokers or Request a Quote.

Complete as much of this form as you like. If you would prefer to have an application sent by email or speak with a qualified broker directly, please complete the contact information only and click the submit button at the bottom of the form.
eg. sole proprietor, registered corporation, etc
Do you currently have business insurance:

Has insurance ever been denied or canceled:
Please provide a % breakdown for each operation
The more detail the better the underwriter can evaluate your exposures.
Area that you serve. eg Greater Vancouver, BC, Alberta, Ontario,
Does the Applicant have any U.S. or other foreign sales/revenue:

Do you have any operations or do any work outside Canada:

Does the applicant anticipate entering into other operations, other than those already described, during the next 12 months?:

Does the applicant engage in any of the following operations (check all that apply):

Do you employ subcontractors:

Are all sub-contractors required to provide proof of liability coverage:

Limits start at $1,000,000. Many contracts now specify a minimum limit of $5,000,000.
Do any employees regularly drive their own vehicles on company business:

Including parking lots
Provide percentage and description of premise. Eg. Bus loop, City Parking Lot, etc.
Do you do any Salting?:

Do you keep logbooks showing weather conditions, time, location, and details of all work carried out:

Do you have a written contract with the customer?:

What determines when the contractor will go to the ploughing job?:

If pre-set criteria, please describe below.
Does the customer check and approve the work done?:

We will use this to provide a straight comparison to your current coverage. Feel free to remove any premium information.
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North Vancouver

1315 Marine Drive

PH: 604-985-0581
PH: 1-800-229-3590

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InsureBC Squamish

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PH: 604-892-1033

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234 Reid Street

PH: 250-992-5544

Mon-Fri: 8:30am - 5:30pm
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