Ice and Snow Removal

Jan 2023

Personal injury lawsuits have increased dramatically in recent years, especially in Ontario where personal injury law firms have been working on a contingency basis, which means that lawyers agree to only receive payment if they win a settlement.

This has resulted in more people taking their chances with personal injury claims, such as pursuing compensation after a slip or fall at an icy or snowy location, and it has given personal injury lawyers more incentive to be aggressive and potentially seek higher damages.

Ontario has tried to remediate the issue by introducing new rules for personal injury lawyer contingency fee arrangements in July 2021. The province also passed new legislation in January, Bill 118,which cuts the amount of time that people have to file a personal injury claim from two-years to 60 days.

Canadians depend fiercely upon snow removal contractors to provide safe access to their businesses. Businesses operating during winter months have associated high-risk ice and snow threatening their livelihood. Understanding the varied exposures, geography of a business location, as well as historical weather patterns, will ensure you receive the comprehensive coverage necessary to protect the survival of your business.

According to statistics from the Canadian Institute for Health Information (https://www.cihi.ca/en), falls on ice are the most common cause of sport and winter injury hospitalizations in Canada, with over 8,800 reported hospitalizations from 2019 to 2020.

Quotes are available at: quotes@swgins.com

Sources:

Insurance Business Canada: Snow Removal and other High-Risk Businesses Battling Liability Insurance Woes: January 22.2022

We are accustomed to reviewing any submission that may seem unusual or uncommon; it is very likely that we will find a place for it!

COVERAGE HIGHLIGHTS

  • Cross liability
  • Contingent employer’s liability
  • Product Completed Operations coverage (Broad Form)
  • Our policies are on occurrence form, we can however also offer claims made option
  • Our policies can offer enhancement coverage to include, Faulty Workmanship, Product Recall coverage, Employee Benefit, Employer’s Comprehensive Bodily Injury Liability, Sub-limits for Errors & Omissions, as well as Manufacturer’s E&O and Employment Practices Liability
  • Limits up to $10,000,000
  • Deductibles start at $1,000 and can be customized to the size of the business or type of operation
  • Coverage can be provided for sales Worldwide including U.S., but turnover limitations for U.S may apply.

WE COVER:
INCLUDES BUT NOT LIMITED TO THE LIST BELOW.

CONTACT US IF YOU DON’T SEE WHAT YOU ARE LOOKING FOR

Landscapers/Gardening
Snow Removal
Pet Care and Product Sales
Farmers a/o Antique Markets
Mobile Food Vendors
Natural Beauty Product Sales
Beauticians /Barber Shops
Acupuncture
Homeopathy
Contractors
Cosmetics
Beauty and Therapies (excluding Tanning Booths)
Excess & Umbrella
Manufacturers
Paintball & Laser Tag
Processors
Recycling and Sanitation
Remediation
Retailers
Wholesalers

BOLDED ITEMS ARE COMBINED PROGRAMS FOR SPECIALTY INDUSTRIES AND PROFESSIONS

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South Western Insurance Group Limited.
21 Four Seasons Place
Suite 105
Toronto, Ontario
M9B 6J8

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