October 14, 2019

The Commercial Agency Blog


Landscape Contractors should start early in shopping for Snow Plow Insurance Coverage.  The markets are constantly changing and time is needed to approach the various markets and negotiate the best deal for your company!


Are you an attractive insured for insurance carriers offering snow plowing coverage?  You should call Ken or Steve Cerullo at (201)391-1324 to discuss what business practices make you a better snow plow insurance account!


Kenneth F. Cerullo, Esq., President of The Commercial Agency, Inc., is authorized through The Board of Electrical Contractors to provide insurance classes for Continuing Education credits.  Please call Ken at (201)391-1324 to find out what classes are being planned!


One of the most important things that Snow Plow/Removal Contractors should do to make themselves more appealing to insurance carriers includes having a written contract in place with all customers (residential & commercial).  The contracts should be reviewed or drafted by your attorney.  Typical provisions used to limit liability include indemnity provisions, detailed scope of work to be performed including diagrams outlining specific areas to be cleared of snow, and requirements for property owner to provide a written request to perform additional services.


It is advisable that Snow Plow/Removal Contractors price out snow plow/removal insurance coverage as soon as possible for the new year.  First, you usually end of getting the best deal the earlier you start in the process.  Second, you want to know the price of insurance so you can factor that cost into your upcoming/renewal contracts with your clients.   


We are members of the NJLCA (New Jersey Landscapers Association) and the Accredited Snow Contractors Association (ASCA).  We attended last week's NJLCA meeting and participated in programs related to snow plow/removal risk management.  Contractors should start early in shopping for coverage.  The markets may decide not to offer coverage as the winter approaches.