Are you covered?
Snow & ice management is a risky business.
SIMA has you covered with training, resources and insurance connections.
Find the right coverage
Connect with insurance providers
SIMA has cultivated relationships with several insurance providers who understand the intricacies of snow and ice management. Our Insurance Marketplace web space provides contact information to help you seek a provider who get it.
Educate to mitigate risk
When it comes to managing your risk, there’s no such thing as having too much information.
SIMA has built several resources that allow you to deepen your knowledge on this complex subject:
Several courses on managing insurance and risk are available at Train.sima.org, designed to help cover all the key questions and challenges snow removal contractors face when dealing with legal issues and slip and fall liability.
Read the book
Mastering Commercial Snow & Ice Management - A Complete Guide to Managing a Successful Snow Business contains an entire chapter on risk management and proper documentation best practices.
The Snow Industry Standard Glossary of Terms is available to anyone who wants to ensure they are using appropriate wording and definitions related to snow and ice management.
Align with best practices
The SIMA Best Practices Checklist is a useful tool for auditing your snow business/operation across many areas, including basic insurance and risk management.
Any company performing snow and ice management services must purchase proper insurance, which can be difficult (and expensive) given the volatile, high-risk nature of the industry. Common insurance protections snow and ice management companies will need include:
Beyond the basics
As your business grows, you’ll want to consider additional policies or endorsements(e.g., cyber crime, employer’s practices, environmental, etc.)that will protect you and your company in the event of such a loss.
Key endorsements for snow contractors
Hold harmless and indemnification provisions have become the means by which liability is transferred from the property owner to the snow and ice contractor. Obtaining key endorsements (additions to the insurance policy) properly transfers liability and finances the risk of snow and ice services: