Loss Control Insights for Contractors
Considering Snow Removal This Winter?
Many contractors in fields such as landscaping and road work also provide winter services, such as snow removal, to supplement their off-season income. If you’re considering this option, make sure you keep these risk management tips in mind.
Make Sure You’re Covered
Talk with your insurance agent about your plans and make sure your new snow removal activities and equipment will be protected. You may also need to be prepared to provide certificates of insurance if you are bidding on commercial jobs.
Know the Rules
Learn about any state or local laws related to snow removal. For example, in some states it is illegal to push snow into rivers or streets. Some municipalities may require you to be licensed, especially if your work area may include public spaces like roads or parking lots. To get a full sense of the laws and rules that apply to a snow removal business, it's a good idea to consult an attorney before you get started.
Get it in Writing
Especially for commercial clients, agreements should be made in writing. You can find examples of snow removal agreements online, though it‘s always best to consult an attorney to make sure the contract template meets your unique needs. Beware of customers who require you to use their own contract language, as it may open you up to additional liability for property damage or injuries resulting from slips and falls.
Snow removal often requires walking, working and driving in dangerous weather conditions. Make sure you’re prepared with the right equipment and training. That means wearing the right footwear, using the right shoveling techniques and making sure you know how to operate equipment and vehicles safely. Don’t forget to maintain your equipment, following the guidelines in the manual, and inspect it regularly to make sure it’s ready for safe operation.