Snow plow insurance cost
Insureon says, on a page updated September 30, 2026, that snow removal contractors pay $132 a month for general liability at $1 million per occurrence, and that landscaping companies including snow removal contractors pay $299 a month for commercial auto. Insurance Canopy says, on a page last modified April 22, 2026, that its residential snow and ice endorsement starts at $217 a month, combined with a $33.75 landscaping policy. None of the five sellers we checked publishes one number for a whole plow operation; Insureon prices general liability, commercial auto, workers' compensation and umbrella separately. Insureon and Progressive say the price moves with the services you sell, your limits, vehicles, drivers, employees and claims history.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
What do insurers publish for snow plow insurance cost?
Two sellers publish dated numbers, and neither prices a whole plow operation. Insureon's snow and ice removal cost page, updated September 30, 2026, gives general liability for "Snow removal contractors and companies" at $132 a month on a $1 million per occurrence, $2 million aggregate policy. Its commercial auto and workers' compensation figures cover landscaping companies "including snow removal contractors," so mowing-only accounts are mixed in. Insureon's page describes its figures both as averages and as the median cost of policies for applicants, and its footer says they come from customers who bought through Insureon; it says most of those customers have fewer than five employees and five years or less in business.
Insurance Canopy sells snow as an add-on to its landscaping liability policy. On a page last modified April 22, 2026, it says the endorsement "starts at $217/mo. with a $300,000 sublimit," combined with landscaping insurance at $33.75 a month; the page does not say whether the $217 includes the $33.75.
Progressive, ERGO NEXT and The Hartford print no figure; Progressive says the cost "depends on the specific aspects of your business." On the five pages we checked on October 3, 2026, we found no Utah figure and no price for a plow truck alone.
| Seller | Coverage | Published price | Who it describes |
|---|---|---|---|
| Insureon, updated 2026-09-30 | General liability, $1M per occurrence, $2M aggregate | $132 a month, $1,580 a year | Snow removal contractors |
| Insureon, updated 2026-09-30 | Commercial auto | $299 a month, $3,590 a year | Landscaping companies, including snow removal |
| Insureon, updated 2026-09-30 | Workers' compensation | $150 a month, $1,802 a year | Landscaping companies, including snow removal |
| Insurance Canopy, modified 2026-04-22 | Snow and ice endorsement, $300,000 sublimit | From $217 a month; landscaping policy $33.75 a month | Residential snow removal only |
What policies make up the price of snow plow insurance?
The plow truck is an auto. The ISO business auto form, CA 00 01, takes snow equipment out of its "mobile equipment" definition: a self-propelled vehicle with permanently attached equipment designed primarily for snow removal is treated as an auto. The form treats it as an auto, so the plow truck's liability is a commercial auto question. Progressive describes its plow auto policy as "liability and physical damage coverage for your work vehicles and permanently attached plow equipment."
The CGL form, CG 00 01, defines the products-completed operations hazard to include injury and damage away from your premises arising out of your work, except work not yet completed, and gives it its own aggregate limit. Whether a slip on a lot you plowed falls inside it depends on the policy and the contract. Ogden City's RFP names the coverage: it requires general liability that includes contractual liability and "products/completed operations liability."
For employees, Ogden asks for workers' compensation at Utah's statutory limits plus $1,000,000 employers' liability. Insureon says an umbrella extends the general liability limits and points snow businesses that work commercial lots toward one.
Why is snow plowing insurance so expensive?
Insureon says de-icing, salting and plowing large commercial parking lots "will lead to more costly premiums" than residential-only driveways. Atlantic Casualty's snow and ice supplemental application asks for that mix in detail, split to a total of 100% across categories from residential driveways and small retail lots to hospitals, airports, large retail stores and state highways.
Contract terms add cost. Ogden's RFP names the city as an additional insured, makes the city's own insurance "in excess of Contractor's insurance," and says "The cost of such insurance shall be included in Contractor’s proposal." Insureon says general liability price depends in part on "any subcontractors or additional insured endorsements." Merchants Insurance Group's snowplowing questionnaire asks whether every customer contract includes additional insured status, indemnity and a hold harmless agreement.
Three of the sellers we checked limit how they take snow on. Atlantic Casualty's application says it "does not write monoline Snow/Ice Removal Operations," so it writes snow only alongside other work. The Hartford does not sell snow plow coverage online and refers buyers to a local agency or Tivly. Insurance Canopy's endorsement stops at residential properties.
How do the limits in a snow contract change the price?
They set the floor. Utah Code 31A-22-304 sets auto liability at 30/65/25, or a $90,000 single limit, for a policy issued or renewed on or after January 1, 2025. Ogden City's snow removal RFP asks for a "$1,000,000 combined single limit per accident" on owned, non-owned and hired autos, a $3,000,000 general liability minimum with $1,000,000 for each occurrence, and $1,000,000 employers' liability. Summit County Service Area #3, bidding its 2025-2026 road plowing, asks for one combined general and automobile liability line with combined single limits of $1,000,000 and $3,000,000 in the aggregate.
Insureon says higher limits and lower deductibles raise premium, while lower limits and a higher deductible keep it down. Ogden's RFP closes both doors: the limit is written into it, and any deductible "must be declared to and approved by the City," which may have the insurer reduce or eliminate it. Where the base policies stop short, an umbrella fills the gap; Insureon says, updated September 30, 2026, that its customers pay $75 a month for each $1 million.
Two Utah public owners ask for different shapes of the same $1,000,000, so read each account's insurance exhibit before you price the bid; its written requirement is what counts.
Is there cheap snow plow insurance?
There are cheap policies; the question is whether they cover the work you signed. ERGO NEXT's lowest-price package for snow plowing sets general liability at $100,000 per occurrence, on its page modified September 3, 2026: a tenth of Ogden's $1,000,000 per occurrence, and Summit County's combined general and auto line is $1,000,000. Insurance Canopy's endorsement, from $217 a month on its April 22, 2026 page, carries a $300,000 sublimit and does not cover commercial snow contracts. Atlantic Casualty asks of the applicant's current auto policy, "Is snow and ice removal/plowing excluded?", so confirm yours does not. Compare quotes at the same limits, the same operations and the same additional insured wording, or the cheaper one may be a different product.
Some savings hold up. Progressive says seasonal comprehensive coverage on its plow auto policy "protects your vehicle during the off-season and is available in many states." Progressive's quote checklist, pulled October 3, 2026, says proof of continuous coverage on your current declarations page "could instantly save you up to 25 percent" on its commercial auto premium, and ERGO NEXT says on its September 3, 2026 page that you can save up to 10% by bundling two or more of its policies. Each is that company's statement about its own pricing.
How do I get a snow removal insurance quote?
Start before you bid, not after you win. Ogden's RFP asks proposers to include "a letter from an insurance company stating that the proposer can qualify for the required insurance liability," so the market has to see the contract's insurance terms before the proposal goes in. Send the account's insurance exhibit with the request and the quote is built to it.
Then answer what the snow markets ask. Merchants' monoline auto snowplowing questionnaire asks years plowing, prior snow losses, number of plows, your residential and commercial split, whether you plow public streets or rake roofs, and every commercial account with its parking-space count. Atlantic Casualty asks for your three largest commercial clients, whether you use subcontractors, and snow or ice losses for the past five years. Progressive's commercial auto checklist asks for your declarations page, driver's license numbers, VINs, and the month and year of any accident or violation in the past three years.
Redoubt works from the same facts: pricing and carrier appetite depend on the operation, the people, the property, the contracts, the controls, the limits and the history, so we collect them before asking a market for a number.
What to send for a snow plow quote you can compare
Send it at once so every market quotes the same operation.
- 1.The insurance exhibit or RFP section from each snow contract you are bidding or renewing
- 2.A sample signed customer contract, with its additional insured, indemnity and hold harmless wording
- 3.Your residential and commercial split, and each commercial lot's address and parking-space count
- 4.Whether you salt or de-ice, clear sidewalks, rake or shovel roofs, or plow public streets
- 5.Each plow truck's year, VIN, plow and spreader, and garaging address
- 6.Each driver's license number, years plowing, and accidents or violations in the past three years
- 7.Snow receipts and snow payroll, kept separate from landscaping
- 8.Subcontracted routes, with each subcontractor's certificate
- 9.Five years of loss history and your current declarations pages
Can I buy snow plow insurance just for the winter?
None of the sellers we checked publishes a winter-only plow policy. Progressive offers seasonal comprehensive on plow trucks for the off-season in many states, and ERGO NEXT says its policies can be paid monthly and cancelled at any time. The account still expects coverage for the whole contract term: Ogden treats a failure to maintain or renew coverage as a material breach.
Does adding a plow raise my commercial auto premium?
No seller we checked publishes a plow surcharge. Insureon lists higher-value items, snow plows among them, as raising premiums, and Progressive's physical damage coverage reaches permanently attached plow equipment, so list the plow and its value with the truck.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. Insureon, snow plowing and ice removal insurance cost, general liability
“Snow removal contractors and companies pay an average of $132 per month, or $1,580 annually, for general liability insurance”
insureon.com, accessed October 3, 2026. Page updated September 30, 2026. The same section gives the policy limits as "$1 million per occurrence; $2 million aggregate." Insureon's figure about its own customers. - 2. Insureon, snow plowing and ice removal insurance cost, commercial auto
“Landscaping companies, including snow removal contractors, pay an average of $299 per month, or $3,590 annually, for commercial auto insurance.”
insureon.com, accessed October 3, 2026 - 3. Insureon, snow plowing and ice removal insurance cost, workers' compensation
“Landscaping companies, including snow removal contractors, pay an average of $150 per month for workers’ compensation insurance, or $1,802 annually.”
insureon.com, accessed October 3, 2026. The same page puts tools and equipment insurance for landscaping and snow removal businesses at $53 a month, or $637 a year. - 4. Insureon, snow plowing and ice removal insurance cost, umbrella
“Snow removal businesses that work commercial lots or have higher liability exposure may also want to consider commercial umbrella insurance, which extends the limits of your general liability policy. Insureon customers pay an average of $75 per month for each $1 million of additional umbrella coverage.”
insureon.com, accessed October 3, 2026 - 5. Insureon, snow plowing and ice removal insurance cost, where the figures come from
“Our figures are sourced from the median cost of policies for snow removal contractors who apply for quotes with Insureon.”
insureon.com, accessed October 3, 2026. The page footer says instead that the figures "were derived from our data on small business owners in the snow plowing and ice removal field who purchased policies through Insureon," and the price sentences call them averages. This page reports them as Insureon's published figures. - 6. Insureon, snow plowing and ice removal insurance cost, who the customers are
“Most of our customers have less than five employees, annual revenue ranging from around $50,000 to more than $200,000, and five years or less in business.”
insureon.com, accessed October 3, 2026 - 7. Insureon, snow plowing and ice removal insurance cost, how costs are calculated
“Higher-risk services offered, including de-icing, salting, or snow plowing large commercial parking lots, will lead to more costly premiums than services where there is less exposure to risks, such as residential-only driveways.”
insureon.com, accessed October 3, 2026 - 8. Insureon, snow plowing and ice removal insurance cost, limits and deductibles
“Higher coverage limits and lower deductibles will typically increase premium costs, while lower limits and a higher deductible can help keep insurance rates low.”
insureon.com, accessed October 3, 2026 - 9. Insureon, snow plowing and ice removal insurance cost, equipment and assets
“Higher-value items, including snow plows or vehicles, are more likely to result in more expensive premiums than lower-cost equipment or assets.”
insureon.com, accessed October 3, 2026 - 10. Insureon, snow plowing and ice removal insurance cost, what general liability price depends on
“The cost of a general liability insurance policy depends on factors such as the coverage limits you choose, your business size, your foot traffic, and any subcontractors or additional insured endorsements.”
insureon.com, accessed October 3, 2026 - 11. Insurance Canopy, ice and snow removal insurance for landscaping businesses, price
“Adding the snow and ice removal endorsement to your policy starts at $217/mo. with a $300,000 sublimit. Combined with your existing landscaping insurance at $33.75/mo., this coverage gives you the protection and peace of mind you need for a productive winter season.”
insurancecanopy.com, accessed October 3, 2026. Insurance Canopy's price for its own product. The page's structured data gives a last-modified date of April 22, 2026. - 12. Insurance Canopy, ice and snow removal insurance for landscaping businesses, what the endorsement does not cover
“What Does It Not Cover? Public, commercial, or industrial properties Public roads, highways, or sidewalks Heavy equipment use (except for residential walkways and driveways) Commercial snow contracts”
insurancecanopy.com, accessed October 3, 2026. A heading and four list items, run together. The covered list is residential driveways and walkways, single-family homes, and small multi-family residences (duplexes, 3–4 units). - 13. Progressive Commercial, snow plow insurance, how much does it cost
“Whether you need commercial auto or general liability coverage, the cost of your snow plow insurance depends on the specific aspects of your business.”
progressivecommercial.com, accessed October 3, 2026. The list that follows names your location, coverage needs, driving history, claims history, employees and your vehicles. No price is published. - 14. Progressive Commercial, snow plow insurance, commercial auto
“This policy consists of liability and physical damage coverage for your work vehicles and permanently attached plow equipment. Seasonal comprehensive coverage protects your vehicle during the off-season and is available in many states.”
progressivecommercial.com, accessed October 3, 2026. A carrier's description of its own product. - 15. Progressive Commercial, insurance quote checklist
“Have the following items in front of you when you call to get a commercial auto insurance quote for your business.”
progressivecommercial.com, accessed October 3, 2026. The items are your current declarations page, driver's license numbers and basic driving histories for all drivers, and VIN numbers with each vehicle's features. - 16. Progressive Commercial, insurance quote checklist, driving histories
“We'll also want to know the date (month and year) of any accidents or traffic violations, such as speeding tickets, that the driver has encountered in the past three years.”
progressivecommercial.com, accessed October 3, 2026 - 17. Progressive Commercial, insurance quote checklist, continuous coverage
“Providing your current declarations page is also proof that you've maintained continuous insurance coverage, which could instantly save you up to 25 percent on your insurance premium.”
progressivecommercial.com, accessed October 3, 2026. Progressive's statement about its own commercial auto pricing. - 18. ERGO NEXT Insurance, snow plowing insurance, how much does it cost
“Snow plowing insurance costs vary based on the risks that your business faces, such as: The types of projects you work on Where your projects are located Your payroll and the kinds of jobs your employees do The number and types of vehicles you use at work”
nextinsurance.com, accessed October 3, 2026. A sentence and four list items, run together. No price is published. Page modified September 3, 2026. - 19. ERGO NEXT Insurance, snow plowing insurance, package table
“Basic Lowest Price General Liability Per occurrence $100,000”
nextinsurance.com, accessed October 3, 2026. Labels and the first cell of the package table. The "Pro" and "Pro Plus" packages show general liability at $1 million per occurrence. - 20. ERGO NEXT Insurance, snow plowing insurance, paying and cancelling
“You can pay for your insurance monthly or annually and you can cancel instantly at any time.”
nextinsurance.com, accessed October 3, 2026. ERGO NEXT's statement about its own policies. - 21. ERGO NEXT Insurance, snow plowing insurance, bundling
“See the different policies available for snow removal insurance and save up to 10% when you bundle two or more of our policies.”
nextinsurance.com, accessed October 3, 2026. ERGO NEXT's statement about its own pricing. - 22. The Hartford, snow plow insurance
“The Hartford doesn’t offer snow plow insurance online, but a local agency or Tivly may be able to help you find the coverage you need.”
thehartford.com, accessed October 3, 2026. The page's cost section says the price "varies because every business owner is different" and publishes no figure. - 23. Atlantic Casualty Insurance Company, Snow and Ice Removal Contractors Supplemental Application (10-24), operations
“OPERATIONS: (Please note that ACIC does not write monoline Snow/Ice Removal Operations)”
aces.atlanticcasualty.net, accessed October 3, 2026. A carrier's statement about what it writes. - 24. Atlantic Casualty Insurance Company, Snow and Ice Removal Contractors Supplemental Application (10-24), question 8
“Describe your snow and ice removal, salting and/or sanding operations (must equal 100%)”
aces.atlanticcasualty.net, accessed October 3, 2026. The categories include residential driveways, small retail parking lots, large retail stores, hospitals, assisted living or nursing homes, airports, local public roads and state and interstate highways. - 25. Atlantic Casualty Insurance Company, Snow and Ice Removal Contractors Supplemental Application (10-24), question 14
“Is snow and ice removal/plowing excluded?”
aces.atlanticcasualty.net, accessed October 3, 2026. Asked under "Do you have Commercial Automobile Liability Insurance in place?" and its limits. - 26. Atlantic Casualty Insurance Company, Snow and Ice Removal Contractors Supplemental Application (10-24), questions 9 and 10
“List your 3 largest commercial snow & ice removal, salting &/or sanding clients:”
aces.atlanticcasualty.net, accessed October 3, 2026. Question 10 asks "Are Subcontractors and/or owner operators used?" - 27. Atlantic Casualty Insurance Company, Snow and Ice Removal Contractors Supplemental Application (10-24), question 16
“Have you had any Snow or Ice Removal losses in the past 5 years?”
aces.atlanticcasualty.net, accessed October 3, 2026 - 28. Merchants Insurance Group, Snowplowing Supplemental Questionnaire, Monoline Auto (MU 93 12), question 10
“Are signed contracts in place for all customers that include additional insured status, indemnity, and a hold harmless agreement?”
files.merchantsgroup.com, accessed October 3, 2026. The form follows the question with "PROVIDE A COMPLETE SAMPLE COPY OF YOUR CONTRACT". - 29. Merchants Insurance Group, Snowplowing Supplemental Questionnaire, Monoline Auto (MU 93 12), question 7
“Please list all commercial snowplowing accounts (Use an attachment if necessary)”
files.merchantsgroup.com, accessed October 3, 2026. Columns: customer name, plowing location address, type of business, number of parking spaces. Questions 1 to 9 also ask years snowplowing, prior snowplowing losses, total number of plows, the residential and commercial percentages and customer counts, plowing on public streets or roads, each driver's years of experience, and each vehicle's garaging address. - 30. Merchants Insurance Group, Snowplowing Supplemental Questionnaire, Monoline Auto (MU 93 12), question 6
“Does the insured perform any other snow removal services such as roof raking, roof shoveling, or removal of ice dams?”
files.merchantsgroup.com, accessed October 3, 2026 - 31. Ogden City Corporation, RFP for snow removal and ice control for city-owned properties (Sept. 12, 2024), IV. Insurance Requirements, commercial general liability
“Minimum of $3,000,000 commercial general liability coverage with $1,000,000 for each occurrence. Policy to include coverage for operations, contractual liability, personal injury liability, products/completed operations liability”
ogdencity.gov, accessed October 3, 2026. A 2024 request for proposals; a later Ogden solicitation may set different terms. - 32. Ogden City Corporation, RFP for snow removal and ice control for city-owned properties (Sept. 12, 2024), IV. Insurance Requirements, business automobile liability
“$1,000,000 combined single limit per accident for bodily injury and property damage for owned, non-owned and hired autos.”
ogdencity.gov, accessed October 3, 2026. A 2024 request for proposals; a later Ogden solicitation may set different terms. - 33. Ogden City Corporation, RFP for snow removal and ice control for city-owned properties (Sept. 12, 2024), IV. Insurance Requirements, workers' compensation
“Workers’ compensation limits as required by the labor code of the State of Utah and employers’ liability with limits of 1,000,000 per accident.”
ogdencity.gov, accessed October 3, 2026 - 34. Ogden City Corporation, RFP for snow removal and ice control for city-owned properties (Sept. 12, 2024), IV. Insurance Requirements, additional insured clause
“Ogden City, its elected and appointed officials, employees, volunteers and agents are to be named as additional insureds in respect to operations and activities of, or on behalf of, the named insured as performed under Agreement with the City.”
ogdencity.gov, accessed October 3, 2026 - 35. Ogden City Corporation, RFP for snow removal and ice control for city-owned properties (Sept. 12, 2024), IV. Insurance Requirements, primary and non-contributory clause
“It is agreed that any insurance or self-insurance maintained by Ogden City, its elected and appointed officials, employees, agents and volunteers shall be in excess of Contractor's insurance and shall not contribute with insurance provided by this policy.”
ogdencity.gov, accessed October 3, 2026 - 36. Ogden City Corporation, RFP for snow removal and ice control for city-owned properties (Sept. 12, 2024), IV. Insurance Requirements, who pays
“The cost of such insurance shall be included in Contractor’s proposal.”
ogdencity.gov, accessed October 3, 2026 - 37. Ogden City Corporation, RFP for snow removal and ice control for city-owned properties (Sept. 12, 2024), IV. Insurance Requirements, deductibles
“Any deductibles or self-insured retentions must be declared to and approved by the City. At the option of the City, either: the insurer shall reduce or eliminate such deductibles or self-insured retentions as respects the City”
ogdencity.gov, accessed October 3, 2026 - 38. Ogden City Corporation, RFP for snow removal and ice control for city-owned properties (Sept. 12, 2024), proposal contents, evidence of insurability
“Include with the proposal a letter from an insurance company stating that the proposer can qualify for the required insurance liability.”
ogdencity.gov, accessed October 3, 2026 - 39. Ogden City Corporation, RFP for snow removal and ice control for city-owned properties (Sept. 12, 2024), IV. Insurance Requirements, maintaining coverage
“Failure to maintain or renew coverage or to provide evidence of renewal will be treated by City as a material breach of contract.”
ogdencity.gov, accessed October 3, 2026 - 40. Summit County Service Area #3 (Park City, Utah), Snow Removal Services RFP for the 2025-2026 season (March 6, 2025), insurance requirements
“This coverage to include contractual coverage and automobile liability coverage for owned, hired and non-owned vehicles. The policy shall have combined single limits for bodily injury and property damage of not less than one million dollars ($1,000,000) and $3,000,000 in the aggregate.”
utah.gov, accessed October 3, 2026. Posted on the Utah Public Notice Website. The same RFP requires the Service Area to be named as additional insured. - 41. Utah Code 31A-22-304(2), motor vehicle liability policy minimum limits
“a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following”
le.utah.gov, accessed October 3, 2026. The figures that follow are $30,000 per person, $65,000 per accident and $25,000 property damage, or $90,000 in any one accident as a single limit. - 42. ISO CA 00 01 11 20, Business Auto Coverage Form, Section V, definition K.6 of "mobile equipment"
“However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": a. Equipment designed primarily for: (1) Snow removal;”
assets.touchpointmarkets.com, accessed October 3, 2026. Specimen form as hosted by FC&S (Touchpoint Markets); © Insurance Services Office, Inc. The policy issued is the carrier's own edition and endorsements. - 43. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, Section V, definition 18
“"Products-completed operations hazard": a. Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except:”
assets.touchpointmarkets.com, accessed October 3, 2026. The exception for work not yet completed ends when all of the work called for in the contract is done. Section III sets a separate Products-Completed Operations Aggregate Limit. Specimen form as hosted by FC&S (Touchpoint Markets); © Insurance Services Office, Inc. - 44. Redoubt, Snow removal insurance, cost factors
“Pricing and carrier appetite depend on the operation, people, property, contracts, controls, limits, and history.”
www.redoubt.insure, accessed October 3, 2026
Snow accounts start soon and the plow is not on the policy
Landscapers and plow contractors: the plow endorsement, the $1M the accounts ask for, and what the season costs.
Elsewhere on the site
Bidding snow accounts this season?
Send Redoubt the insurance exhibit from each contract, your truck and driver list, and your residential and commercial split. We will go through what each account requires and what the markets will ask before anyone prices it.
This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.