Insurable Risks Involved at the Time of Snow Plowing Service Rendering  

Are you able to supplement your regular lawn, landscaping, or construction earnings by clearing to clear snow during winter? Many Snow plowing Downriver Michigan contractors are doing this successfully; however, there are some dangers to your work that even experienced snow removal experts could be surprised by.

Slip and Fall Claims under Snow Plowing Services Insurance

If you are plowing snow for different entities, it is possible that you could be a part of lawsuits for slip and fall-related injuries that happen on these properties. In reality, as high as 90% of snow contractors' liability claims involve accidents and slips. In the event of injuries, liability is determined differently from state states, but there are steps, which you may, do lessen your risk of being a victim of claims.

Be aware of the numbers and plan your service according to the requirements. Slip and fall lawsuits are more common in areas with a high amount of pedestrian traffic, such as sidewalks and shopping malls. Therefore, you need to be particularly vigilant when checking and removal strategies for these types of properties.

Utilize Contracts for Each Customer

Written work agreements must be signed by all your clients to ensure that everyone is on the same page regarding the time and manner in which you will handle the property. Contract templates can be found online, but be sure that the contract includes the triggers for service, the areas that need to be addressed, times that clients can anticipate service , and a full listing of your responsibilities (plowing or shoveling, putting down salt or sand and so on.). It is also recommended that an attorney look over the contract template and any modifications requested by customers.

Verify your coverage. Check with your insurance company to ensure you're protected for snow removal needs. If you employ subcontractors, ask them to provide evidence of their own insurance coverage.

Maintain accurate record of your activities. In order to prove that you're performing your duties You should keep track of weather-related events as well as the locations and times you conduct removal services. It doesn't need to be elaborate or expensive - even logs made of paper that are kept in the trucks serve the purpose provided they're kept up to date and maintained.

Lack of Preseason Planning

If a building is covered in a layer of snow it could be difficult to see potential dangers to your equipment or to verify that you've cleared the pathways for pedestrians. Make sure you are prepared and perform annual inspections of all your customer areas before the snowmelts. Record property information, including the obstacles to be aware of (speed bumps tires, tire stops as well as landscaping features, utility covers and more.) and other details such as operating hours and hours of operation for commercial customers.

Also, you should be prepared to select the most suitable place to put the snow to protect your property. Choose a location that is not prone to pedestrian traffic, where the surface does not slope away from sidewalks or parking spaces. If not, snow melt could overflow the walkways and melt into slippery black snow.