To say the weather has been unusual is an understatement. Winters that once followed a familiar pattern have become unpredictable, with heavy snowfalls one week and mid-January rain the next. This unpredictability has introduced new risks for snow removal contractors, from increased liability exposure and equipment breakdowns to challenges in meeting client expectations. Across Canada, contractors are adapting to changing weather conditions that directly impact safety, scheduling, and insurance coverage. In a profession where preparation defines success, understanding and managing these risks has never been more important.
Snow removal contractors must understand that success in their business depends on preparation. That includes making sure your insurance coverage evolves with the changing climate. This is another article in our ongoing Expert Blog Series. To read our other articles on topics Snow Removal Contractors
Unpredictable Winters: The New Risks for Snow Removal Contractors
Across Canada, snow removal contractors are facing winters that no longer follow the same patterns year after year. Instead of consistent snowfall, crews must now deal with sudden thaws, heavy freezing rain, and ice buildup that can occur overnight. One way or another, these extreme weather swings make planning difficult to say the least. Routes must be adjusted, equipment needs vary by week (or weekend), and customers still expect results even when the conditions are far from normal.
“Unpredictable weather also shortens the window for response,” Snow Removal Contractor, Joe McCartney begins. “When storms arrive with little notice or shift mid-event from snow to freezing rain, our operations must be flexible. This creates more pressure on our teams to perform quickly and maintain detailed records that prove we met our contractual obligations. It also increases the importance of having a reliable, experienced crew because when conditions change rapidly, inexperienced staff may be forced to make quick decisions or take on larger responsibilities.” Without proper training or oversight, these moments can lead to costly mistakes, property damage, or liability claims.
Increased Risks for Snow Removal Contractors: Liability Exposure
The changing climate has also led to a rise in slip-and-fall incidents. It is often the freeze-thaw cycle that quickly turns cleared lots into ice rinks. “When temperatures fluctuate between plus and minus five, surfaces that appeared safe during the day can become treacherous by morning” adds McCartney.
Partner and VP of Construction, Mike Di Pinto explains “contractors are often held responsible for these conditions, even when they are beyond their control. Liability claims are increasing for intermittent events rather than heavy snowfalls. That means more disputes about what constitutes “reasonable efforts” under a snow contract. Clear documentation is the only way to protect yourself. Logs, timestamps, and photo records are no longer optional…they are evidence.”
The Importance of Reviewing Contract Clauses
Managing Partner, Che Guerrera adds “contracts that worked five years ago may not protect you today. Service agreements should be reviewed each season to make sure they reflect current realities.”
Di Pinto and Guerrera suggest contractors consider including:
- Weather variance or force majeure clauses to address conditions that make service unsafe or outside the scope of normal operations.
- Client Responsibilities: Clarify who manages obstacles like parked vehicles or blocked access.
- Documentation Requirements: Define what proof will be accepted if a claim arises.
“When contracts and insurance policies align, both parties are better protected, and disputes are easier to resolve” Che says.
Understanding Risks for Snow Removal Contractors and the Insurance Implications
Traditional liability insurance remains the foundation for any snow removal contractor, but evolving conditions call for broader protection. Equipment failures caused by rapid temperature swings or environmental issues linked to salt and fuel spills can also be costly. Contractors should review their entire insurance program, not just their general liability coverage, especially before the season really kicks into gear.
Here are some coverages to discuss with your broker:
- Environmental Liability: To address contamination or runoff from de-icing materials.
- Commercial Auto: For plow trucks, salt spreaders, and other fleet vehicles.
- Equipment Floater Coverage: To protect mobile equipment that moves between job sites.
“Higher repair costs and increased claim frequency also mean it may be time to review your deductibles and policy limits” Mike Di Pinto adds. “Working with a broker like Ferrari & Associates, one who specializes in construction and snow operations, ensures you are not under-insured when it matters most.
The Importance of Communication and Risk Management
A proactive communication plan can further prevent many of the issues that lead to claims. Seasonal check-ins with clients are an opportunity to set clear expectations about what is achievable under current conditions. Mid-season reviews with your broker also help ensure your policies still align with your growing operations.
“Risk management starts long before the first snowfall” Mike says. “Open communication, detailed documentation, and regular policy reviews make it easier to focus on the work at hand once the season begins.”
Preparing for the Winter
Right now, your trucks are still in the yard, but winter is closer than it seems. Read some of our expert blog articles about the Risks for Snow Removal Contractors. The best time to review your insurance coverage is before the first plow drops. A quick conversation today can prevent costly surprises tomorrow. Give our insurance team a call at 1-888-467-8989 and ask for Mike, Che or Daniel.
Ferrari & Associates understands the demands placed on and the risks for snow removal contractors. We meet with our contractor clients and annually attend Snowposium to stay on top of the latest trends and challenges. Our goal is to help you stay protected and confident through every storm, no matter how unpredictable the season becomes.
