Is your “Plow Guy” Properly Insured
We live in snow country and chances are you work hard to make sure that your property is safe and protected during those difficult winter months. This includes making sure that you have access to the services of contractors that can do jobs, such as managing the snow and ice levels on your property especially on driveways and sidewalks.
How to Choose a Snow Removal Service
You want to make sure that you can rely on your contractor to show up and do the tasks related to snow removal effectively. The contractor should have access to the necessary equipment and tools to do the job right. Additionally, the contractor should have the required business licenses and permits. Insurance is an important component of the contractor’s business credentials. Snow removal services may not be rocket science, but the tasks can potentially damage property and cause harm to occupants and to workers.
Insurance Coverage for Snow Removal Contractors
As a property owner, you maintain liability insurance to protect your assets from lawsuits in the event of an accident on your property. You should require the same from all contractors who work on your home or building, especially those who handle machinery such as snowplows, snow blowers and salt spreaders on your property.
If your snow removal service damages a fence while doing the job, the company’s general liability insurance should repair or replace the damage. If they damage your neighbor’s parked car, your neighbor might rightly be looking to you for reimbursement of those damages. If your contractor is insured, you get to stay out of it but if he is not…….then you you will be responsible for your contractors negligence and any ensuing damages. Once your insurance gets involved that may also have a negative impact on your insurance premiums.
Businesses and homeowners are required to carry workers compensation insurance for employees AND for all those working under their direction or control. This type of insurance provides coverage for employees and those they hire should they suffer harm due to an accident while working for you or on our property. This is mandatory in all states although exceptions are made for small businesses. Without workers’ compensation however, the injured party may look to you for compensation. Even when the law allows a small contractor to waive the purchase of workers compensation for him or herself the Law does not allow you as a property owner or business owner to fail to provide workers compensation for that individual while he is working for you. ALL those working under your direction or control….like our snow removal contractors need to be properly insured. So Always request certificates of insurance from your contractors and read them carefully. Look for the box that declares “Proprietor covered” or “Proprietor NOT covered” under this policy. The Proprietor as well as all his employees ALWAYS needs to be covered while working at your property or business. Once again, claims that do find their way through to your own policy obviously will adversely affect you at renewal time. Make sure your contractors always have their own insurance coverage for both General Liability and Workers Compensation.
To protect your property from harm and your assets from being attached to a lawsuit, make sure that the snow removal service you hire has the appropriate insurance coverage.