Contractors: Winter Work and Insurance Gaps to Watch For
Winter work creates unique exposures for contractors—especially when snow, ice, and tight timelines are involved.
Snow Removal Liability
Snow and ice removal is one of the highest-risk operations. Even a well-maintained property can result in slip-and-fall claims if:
- Timing of removal is questioned
- Documentation is lacking
- Contract language is unclear
General liability alone may not fully protect you without proper endorsements.
Subcontractor Coverage Issues
Winter projects often rely heavily on subcontractors. If subcontractors are uninsured or improperly insured, liability can fall back on you.
Best practices include:
- Collecting certificates of insurance
- Requiring additional insured status
- Verifying coverage before work begins
Auto and Equipment Exposures
Winter conditions increase the risk of:
- Vehicle accidents
- Equipment damage
- Jobsite injuries
Commercial auto, inland marine, and workers’ compensation coverage should all be reviewed for winter operations.
Stay Ahead of Gaps
Winter claims are costly and frequent. Reviewing coverage before the season peaks helps ensure your business stays protected when conditions are at their worst.