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post #1 of 3 Old 09-07-2018, 04:26 PM Thread Starter
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Insurance

I am buying a plow for my Silverado 2500, primarily to plow my own driveway. I am considering signing up a few (something like 3-5) local residential or very small commercial properties to plow as well, and possibly handling a job from Plowz or SnoHub once in a while. I have another full time day job, so this would be far from a full-time gig - really just a way to offset some of the cost of the plow while getting experience. I looked into changing my auto insurance from personal to commercial and adding a GCL policy, but the price really would eat up anything I would make plowing so few properties. A family member does something similar plowing a few properties when he gets off work, but I suspect he doesn’t carry any commercial coverage. I wouldn’t be as comfortable doing that since my regular job is as an attorney - I defend quite a few clients in snow/ice related cases. Has anyone added commercial auto/GCL coverage for only the few months of the year while you’re plowing? Any other ideas for adding more affordable coverage? This may just not be worth it if the insurance is that expensive.
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post #2 of 3 Old 11-01-2018, 04:03 AM
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Not sure which side of the boarder you're on, but my experience in Ontario Canada has been mixed.
In one instance my insurance company covered the damages to a car parked on a private driveway. They had no prior knowledge of my plowing activities and at first suggested there's no coverage on private property. In the end they settled the dispute but sent me a letter after the fact explaining the need for commercial insurance or for me to operate as a sub under a properly insured company.
I ended up having my lawyer draw up release forms for people to sign.
Be careful what you plow.... No stamped conxrete, no interlock, uneven asphalt is susceptible to gouging and scratching..... So I would recommend gaining some experience before you go clearing snow for others. Need to know how to keep a bit of weight off the plow in certain situations..... Know when to backdrag vs push..... Theresmany ins and outs to plowing without causing damage to the property. so if you're not willing to get the proper insurance and you're new to plowing..... Don't take on anyone elses property if you think you'd land in hot water.
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post #3 of 3 Old 11-01-2018, 04:06 AM
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You could even inadvertently cause a flood..... I mean, is there really a limitation on liability?
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