Winter is make-or-break season for your snow and ice contractors. Slip-and-fall claims spike, operations run overnight in dangerous conditions, and contract demands get tougher every year. Standard markets often retreat or slap on exclusions that gut the policy. If you want to protect your client and grow your book, you need a carrier that embraces risk and builds TRU insurance solutions—not the cheapest quote that disappears when what can happen does happen.
That’s where Prime Insurance Company stands out.
Why Snow Removal Needs Specialized Coverage
- High-frequency liability: Pedestrian and vehicle incidents, black ice allegations, and plow-related property damage drive costly claims.
- Heavy equipment exposure: Plows, trucks, bobcats, and spreaders need the right mix of auto, inland marine, and GL.
- Contract pressure: Primary/non-contributory wording, additional insured status, waivers of subrogation, specific limits, and short fuse COIs.
- Documentation risk: Route logs, application accuracy, and subcontractor agreements can make or break claim outcomes.
The Trap of Cheap Coverage
If the policy is built to avoid the very risks your client faces, it’s not a solution—it’s a setup. Cheap, pre-canned policies often exclude snow and ice operations, cap completed ops, or cancel after a claim. That leaves your client effectively self-insured right when they need support. Do your clients want an insurer that hires the cheapest attorney and settles fast, or a partner that stands and fights, pays fair claims fairly, and rejects inflated demands? TRU insurance makes a bad day less painful. Cheap insurance makes it worse.
Why Prime Insurance Company is Different Than Other Snow Removal Insurance Providers
- E&S problem-solvers in all 50 states: Prime writes the tough, misunderstood risks standard markets decline.
- Financial strength and experience: Rated A (Excellent) by A.M. Best with 40+ years of growth; in-house teams have handled 70,000+ claims.
- One team under one roof: Underwriting, risk management, policy services, and claims work together—fast, collaborative, and focused on outcomes.
- Custom over cookie-cutter: We meet with you and your client before quoting to understand operations, contracts, routes, equipment, subcontractors, and loss history. Then we build the solution around the exposure.
- Amazing claims results: Prime’s in-house claims team has decades of experience in satisfactorily resolving claims.
Insurance Coverage Crafted for Snow Removal Operations
Prime can provide an all-in-one solution offering coverage tailored to your client’s needs, including:
- General liability with snow/ice operations contemplated
- Commercial auto for plow trucks and fleets
- Inland marine for scheduled and miscellaneous equipment
- Excess/umbrella for contracts that demand higher limits
- Professional liability options for ops with consulting/route design exposure
- Employer’s liability and other endorsements aligned to contract requirements
- And more!
What This Means for Insurance Producers
- Write what others can’t: Stop turning away snow and ice opportunities because of prior losses, unique exposures, or tough contracts.
- Differentiate your agency: Lead with TRU insurance instead of chasing the lowest price. Producers who sell value, not just price, retain longer and cross-sell more.
- A real partner in the trenches: When a storm hits and the claims start, you want a carrier that shows up. Prime does.
How to Get Started
- Bring us the whole picture: Operations summary, routes/territory, contracts, loss runs, equipment schedule, and any subcontractor details.
- Schedule a collaborative call: We’ll meet with you—and your client if you’d like—to underwrite in real time and design coverage.
- Build the solution together: We tailor terms and limits to fit the exposures and contract requirements so you deliver a policy that actually works.
Bottom Line
Snow removal is a high-stakes class, and cheap coverage is fake security. Producers who partner with #prime deliver TRU insurance—custom coverage, disciplined claims, and a carrier that embraces risk instead of avoiding it. That’s how you protect your client and grow your book.
Ready to win winter? Contact Prime Insurance Company to discuss your snow removal risks and schedule a producer–underwriter–insured call. Say yes to the tough accounts—and yes to a partner who backs you up when it matters.
Get a Quote
If you’re interested in getting a quote for a client, please email us at [email protected]. or call us at 877-243-8181.
