SNOW REMOVAL LIABILITY
If your insured is preparing for the winter season and planning on operating as a Snow & Ice Management Contractor, Snow Liability coverage is a MUST. Snow Removal Insurance Brokerage specializes in this type of Insurance and is well educated in the world of Snow Removal. Put your client’s operations in our hands, and join us in our journey to better educate contractors and steer the insurance marketplace back in the right direction!
Do your clients need Snow Removal Liability Coverage? We offer innovative insurance solutions for snow removal services, with the following terms:
Liability limits up to $1MM per occurrence and $2MM aggregate (with exceptions)*
Deductibles available from $1,000 to $25,000 – per claim.
In-house binding authority
Policies from top-rated carriers
Excellent customer service
Dedicated focus and close relationship with the carrier during the claims process
*Does not include coverage for Autos. This must be obtained separately
We may also be able to provide an Excess/Umbrella liability option for your customers who have contracts requiring higher limits
Below are a few examples of claims that have arisen out of this type of business. Make sure your insured has proper procedures in place to protect themselves from frivolous lawsuits. Contact our office if you have any questions regarding claims handling:
Plaintiff was walking on the southbound IRT #2 train platform in the Bronx when she fell on a patch of ice, sustaining injury and medical expenses. The platform was owned and maintained by the New York City Transit Authority. Plaintiff alleged that defendant had been negligent in allowing a dangerous condition to exist by allowing ice to accumulate on the platform and failing to remove it. At trial, the jury unanimously found the defendant negligent and awarded plaintiff $150,000 for past pain and suffering and $500,000 for future pain and suffering.
A 39 year-old nurse’s aide slipped and fell on ice that had accumulated in front of defendant city’s hospital. She suffered an ankle fracture that resulted in residual swelling, scarring and difficulty walking. Plaintiff argued that defendant had been negligent in clearing away the snow and had allowed it to melt and refreeze, creating a slip and fall hazard. Defendant claimed that it had properly cleared the snow and that plaintiff was negligent for failing to keep a proper lookout. Plaintiff was awarded $595,000 in damages.
An Omaha jury recently awarded $942,000 to a train conductor who was injured after slipping on a patch of ice outside an Iowa motel during a work layover. Terry Sigler was staying at the Super 8 Motel in Missouri Valley in 2002 when he slipped on a patch of ice while stepping over a pile of snow. The jury found that the motel’s parking area was not appropriately lit to reveal the icy surface. Sigler tore the cartilage in his right knee and underwent arthroscopic surgery following his slip and fall injuries. The Federal Employers Liability Act mandates that employers provide a safe place for their workers to stay, and Sigler’s lawsuit states that the Union Pacific Railroad failed to do that.
A Bucks County jury awarded a Philadelphia man $390,000 for injuries sustained in a slip and fall injury in an icy industrial park parking lot. The lawsuit claimed that the owner of the industrial park allowed rainwater to drain directly on to the parking lot and did not salt, shovel or clear the ice and snow in the parking lot, which led to the man’s fall. Because the incident took place seven years ago and a jury verdict was not reached until recently, the man and his lawyer are seeking delay damages as well.