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Excel Insurance Services, Inc.
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Excel Insurance Services, Inc.
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Snow Plowing Insurance

Snow Plowing Coverage
 
Excel Insurance Services, Inc. provides targeted access to Snow Plowing Insurance programs designed for commercial, municipal, and contractor snow removal operations. As a Managing General Agency and Excess & Surplus Lines broker, Excel places risks with a variety of non-admitted carriers to secure flexible solutions for accounts that are difficult to place in the standard market.
 

Ideal Accounts and Appetite

This program is a fit for contractors and businesses that perform commercial or municipal snow removal. Eligible operations commonly include:
  • Clearing sidewalks, driveways, and parking lots using shovels, snow blowers, or walk-behind equipment
  • Truck-based plowing and removal where auto liability is already placed
  • Snow removal with loaders, bobcats, or similar equipment on private and public property
  • Work on public streets, roads, highways, and interstates (subject to underwriting)
Accounts with 100% subcontracted operations are also considered, giving brokers more flexibility when placing larger or specialized programs.
 

Coverage Highlights and Advantages

  • Competitive minimum premiums for liability limits — sidewalk, driveway, and parking lot operations can start as low as $2,500 for $1M/$2M limits
  • Minimums for accounts involving public streets, highways, and interstates are generally higher (starting around $5,000)
  • Umbrella/Excess options available for qualified risks
  • Coverage wording tailored for diverse snow removal methods and equipment types
This program is built to address common liability exposures in snow removal: third-party property damage, bodily injury from slips and falls or equipment operations, and exposures arising from contracted work on public ways.
 

Underwriting Requirements

To obtain a timely quote, submit complete applications and documentation. Typical minimum submission items include:
  • Completed ACORD application
  • Snow Plowing Supplement (detailing operations, equipment, and subcontractor usage)
  • Information on ownership, number of employees, and gross receipts
  • Three years of loss runs
Exact rating bases, eligible operations, and attachments vary by carrier; thorough, accurate submissions help secure the best terms.
 

Territories and Availability

This Snow Plowing Insurance program is available to agents and brokers writing business in the following states:
  • Delaware (DE)
  • New Jersey (NJ)
  • New York (NY)
  • Pennsylvania (PA)
 

Why Work With Excel Insurance Services, Inc.?

Excel Insurance Services, Inc. specializes in placing niche and hard-to-write risks through a broad panel of non-admitted markets. Their underwriting team understands snow removal exposures and will consider accounts that might not fit the standard market — including those relying on subcontractors. Excel offers responsive underwriting, umbrella capacity for qualified risks, and the flexibility of E&S placement when admitted options are limited.
 

Frequently Asked Questions

What types of accounts are a good fit for this Snow Plowing Insurance program?

This program is ideal for snow removal contractors handling sidewalks, driveways, parking lots, public streets, and highways using trucks or other equipment.

Can 100% subcontracted operations be covered?

Yes. Accounts that use subcontractors for all work can be considered, though full details on subcontractor agreements and certificates of insurance will be required.

What documents are required for submission?

Submit a completed ACORD application, the Snow Plowing Supplement, three years of loss runs, and details on ownership, employees, and gross receipts.

Is umbrella coverage available with this program?

Yes. Umbrella/excess limits are available for qualifying accounts to extend liability limits above primary coverage.

Which states is this program available in?

This program is available in Delaware, New Jersey, New York, and Pennsylvania.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A or Better
  • Commission:
    Various
  • Min Premium:
    $2,500

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Excel Insurance Services, Inc. has other insurance programs like Alarm Installation Insurance.