When the first real snow hits Ionia County, plowing and salting crews get to work clearing parking lots, driveways, and business entrances before sunrise. Snow removal is demanding work, and it comes with its own insurance needs.

Before the First Snowfall

Start with your trucks. Personal auto policies generally don’t cover plowing for paying customers, so plow trucks usually need commercial auto coverage. The plow itself, along with salt spreaders, may need to be listed for physical damage coverage. Skid steers and other equipment that stay on job sites are often insured separately through contractor’s equipment coverage.

This is also the time to review contracts. Many property owners include hold harmless or indemnity language and ask to be named as additional insureds on your liability policy. An attorney can help review contract terms before you sign.

During the Storms

General liability is central for snow removal businesses because slip-and-fall claims often surface weeks after a storm. Those claims frequently focus on when a lot was plowed or salted and what conditions looked like afterward.

Michigan law in this area changed in 2023, when the Michigan Supreme Court revised how the “open and obvious” doctrine applies in premises liability cases. Obvious hazards like ice can now play a larger role in comparing fault rather than ending a claim early. That makes good records even more valuable.

• Log service times, weather conditions, and materials used
• Take time-stamped photos before and after service

Your Crew

Long overnight shifts, slippery surfaces, and heavy equipment raise injury risks. Workers’ compensation helps protect your employees, and subcontractors should provide their own certificates of insurance.

After the Season

Review claims, contract changes, and equipment purchases before next winter, and update your agent so coverage keeps pace with your business.

Mike Kirgis Insurance Agency in Ionia, MI works with contractors and small businesses across mid-Michigan. Policy terms vary. Snow removal businesses in Ionia, MI and Ionia County can reach out to Mike Kirgis Insurance Agency or browse our insurance blog.