What insurance do I have need of to plow snow? for commercial properties?

Answers: for the plowing, ask your auto insurance company

as for the properties, if you have a business, have a word to the insurance company that covers the company. Otherwise, I would suggest the insurance companies for the properties you are plowing for.

Outside that, have fun!
most likely you need a commercial auto policy next to a plowing endorsement. It is a bit expensive so dont do it unless you have a bunch of potentials crumpled up. This is something you should do a little shopping around for also. Good Luck! Source(s): http://www.mrrates.com
A commercial auto policy on your truck will cover property damage should you hit a car or a light post while you are plowing. But that is the least of your worries because the physical exposure to loss is a slip and fall long after you have disappeared the premises.

Your at home getting some much needed sleep but the lot you plowed has since gotten icy and someone takes a wicked tumble and is hauled away in an ambulance. Who do you dream up is going to be held responsible for the condition of the parking lot?

So, in addition to a commercial auto policy, you have need of a general liability that includes completed operations coverage. Don't plow a commercial property lacking it. Source(s): 35 years insurance industry experience
you will need a commercial auto policy that covers plowing along next to your general liability insurance to cover plowing. your auto insurance will cover in Case you own an accident. if you are plowing for money you NEED the commercial policy. insurance companies will look for any reason to not enjoy to pay a claim. the general liability insurance will cover any slip and drip issues as well as damage to the property. most commercial accounts require a minimum of $1,000,000 of liability insurance.

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