Built by Contractors Choice Agency
Snow Removal Insurance is a specialty program from Contractors Choice Agency — an independent agency that insures working trades, not a lead-reselling quote mill.
Why a Snow-Specific Program Exists
Contractors Choice Agency started where the name says — insuring contractors: roofers, excavators, electricians, spray-foam crews. Snow contractors kept showing up with the same story: a policy bought as a landscaping add-on, a snow-and-ice exclusion nobody flagged until a claim got denied, and a property manager asking for certificate wording the last agent could not produce.
So we built a program specifically for snow and ice. One desk that knows the claim arrives months after the storm, that a certificate is not an additional insured endorsement, that uninsured subs land on your workers' comp audit, and that a broad-form indemnity clause can cost more than the contract is worth.
Everything on this site — the coverage pages, the cost guide, the FAQ — is written from real conversations with snow contractors, with the requirements we see in their contracts every season.
How We Work a Quote
Your routes, your trucks, your winter payroll and the contracts you are bidding. We shop it across A-rated carriers that actively write snow and ice, then walk you through the options: where a higher deductible earns its keep, which limits your contracts actually require, and what you can safely skip. You get a real number and a straight recommendation, not a pressure script.
Specialists in the Trades
Contractors are all we write. We know the difference in exposure between an electrician, a roofer, and an excavator, and we know the class codes and endorsements that price each one correctly. A generic small-business desk either overcharges your trade or writes it with gaps you find out about at claim time — we don't.
A-Rated Paper Only
A cheap policy from a carrier that fights every claim isn't insurance — it's a monthly donation. We place contractor programs with A-rated carriers that have real claims infrastructure, so a liability suit or a hail-flattened jobsite doesn't end your business.
Certificates Without Drama
Additional-insured endorsements, waiver of subrogation, primary-and-noncontributory wording — the COI a GC demands is where jobs get won or lost. We issue certificates the same day and get the wording right the first time, so you're on site instead of stuck in email.
A Human Picks Up
You call, a licensed agent answers — the same people who quoted you handle your renewals, your certificates, and your claims advocacy. No ticket queues, no offshore scripts, no starting over with a stranger every time.
Every Stage of a Contracting Business
New & Startup Contractors
Just formed the LLC and need a certificate to land the first job or pull a permit. We build the starter stack — general liability, a workers' comp ghost policy if a GC requires it, commercial auto and a license bond — and get you a COI fast.
Established Snow Operations
Multi-truck outfits running commercial lots, sidewalk crews and de-icing across a portfolio. We re-shop at renewal, fix class codes that drifted, and coordinate every policy so nothing leaks between them.
Contractors Running Subs
Pushing volume to subcontractors across a wide route map and meeting each property owner's insurance requirements. We handle umbrella limits, certificate tracking and the sub documentation your workers' comp audit will ask for.
Growing Companies
Adding trucks, employees and revenue faster than your old policy was built for. We move you from a single BOP into a coordinated program with the right workers' comp, fleet auto, and excess limits before a gap bites.
What We Look for in a Carrier
Any agency can find you a cheap first-year number. The carriers we work with earn their place by clearing four bars: an A- or better AM Best rating, a real claims department that understands construction, same-day certificate issuance with the endorsements GCs require, and renewal behavior we can defend — no teaser-rate years followed by 40% jumps on a clean loss run.
We also pay attention to how a carrier treats the gray areas contractors live in: subcontractor exposure, tools that travel between jobs, work at height, and pollution risk on demolition and excavation. The time to find out how a carrier reads those situations is before you bind, not after a denial letter.
Insurance Is a Cost Center — Treat It Like One
Your premium is one of the bigger line items in a contracting business. We treat it with the same discipline you treat job costing: know the number, know what drives it, and re-negotiate when the leverage shifts. That means an annual re-shop at renewal, a deductible review when your cash position changes, and a pay-as-you-go workers' comp option so you pay on real payroll, not an estimate.
It also means telling you when not to buy something. If you sub out every route and carry no crew, a full comp policy may be overkill versus a minimum-premium option. If you own no machines, a large equipment schedule is money you do not need to spend. The cheapest coverage is the coverage you legitimately don't need.
Talk to the People Who Wrote This Site
844-967-5247 rings a licensed specialist, not a call center. Or start online and we'll call you back within about one business hour.
See Exactly What We Cover
Seven coverages, every one explained in plain English with what actually drives the price — no login, no email gate.