COVID UPDATE Feature Image

Snow Removal: What You Need To KnowOctober 23, 2020.

Snow removal is a regular part of property maintenance. Whether you’re removing snow on your own property, assisting a neighbour with clearing their driveway, or operate a snow removal business, it’s important to know your coverage.

Can I clear snow on my own driveway?

Firstly, you are responsible for reasonable inspection and maintenance of your property.  That includes the removal of snow and ice from your driveway, sidewalks and exterior steps.  Many municipalities have bylaws that require property owners or occupants to remove snow and ice from public sidewalks that border their property. Additionally, snow and ice must be removed within 24 hours of snowfall.  The application of sand, salt or ice melt also helps to protect against liability.

Am I covered if someone slips on my driveway?

Homeowner’s liability coverage will protect against liability for property damage or bodily injury to third parties. However, it is the homeowner’s responsibility to inspect and maintain their property. Remove snow and ice within 24 hours of snowfall, and apply sand, salt, or ice melt.

Can I clear my neighbour’s driveways?

You may clear your neighbour’s driveway, however, do so carefully.  In other words, you may be liable if you cause damage to their property.  Additionally, consult your broker if you intend to receive pay for snow removal. A standard homeowner’s policy may consider it a business or commercial activity, and may not provide coverage.

Do I have coverage if I use my tractor or ATV to clear snow?

You need to insure your tractor with proper liability coverage. An automobile policy can insure ATV use for snow removal. Therefore, always seek advice from your insurance broker if you are unsure of what type of coverage you need.

How can I get coverage if I want to make additional income clearing snow?

Your insurer may offer a liability extension or separate commercial policy for snow removal if it is for business or commercial use.

Should I clean my sidewalk or is that the responsibility of the city?

Many municipalities have bylaws that require property owners or occupants to remove snow and ice from public sidewalks that line their property within 24 hours of snowfall.  Furthermore, applying sand, salt or ice melt will also help protect you against liability.  Check your municipality’s guidelines to determine your obligations

What responsibilities do I have to maintain my property?

The Ontario Occupier’s Liability Act requires property occupier’s or owners ensure the reasonable safety of anyone on the property. Therefore, reasonable steps must be taken to keep all visitors safe, even trespassers.

What does Tractor Protect policy cover for removing snow?

Tractor Protect offers liability coverage in the event property damage or physical injury to someone else from personal use. Therefore, Tractor Protect does not respond to liability from business or commercial use.

Check out our website for more information, and get yourself a no-obligation quote today.

No-Obligation Insurance Quote

The right home insurance policy for residents in Ontario will enable you and your family to deal with home-related losses as fast as possible.

Get In Touch With Us Today

Access your insurance instantly through our new client portal. Easily manage your insurance 24/7 at your own convenience.

Insurance On The Go

Access your insurance instantly through our new client portal. Easily manage your insurance 24/7 at your own convenience.

The Duliban Hometown Advantage

We Service You

Our team of insurance professionals ensures that YOU receive the best coverage possible at the very best price.

25 Quotes

We partner with over 25 different insurance companies that fight to earn your business.

Highly Rated

With multiple provincial and national recognition awards, it’s no wonder why our clients rave about us.

Simple Language

We make sure that you understand your policy without confusing you with complicated insurance jargon.

Let's find you the best possible coverage

COVID-19 UPDATE: To help stop the spread of COVID-19, our offices are currently closed to the public.Click here for all COVID-19 updates.