Snow & Ice Management

Beyond Insuring Snow & Ice Management. Ensuring Continuity.

The weather is not the only adverse climate that snow & ice management teams face. Due to an avalanche of expensive annual claims, insurance carriers have begun giving the ‘cold shoulder’ to snow contractors. However, your independent agent at FBinsure has a proper understanding of the industry to find the coverage you need for the jobs you want.

Instituting proven risk reduction strategies, and understanding how to protect your organization through well-written contracts are just two of the many steps to position yourself favorably with insurance carriers.

As members of the Snow & Ice Management Association (SIMA), FB Risk Advisors are well acquainted with the snow & ice management industry, and our Risk Reduction Approach is tailored to your needs. With the right combination of products, service, and value, all local to you, there really is no other choice.

Our Risk Reduction Approach


We work with your leadership to identify risk control opportunities in more than a dozen areas of your business. This process is the first step in allowing us to make you more attractive to the insurance marketplace.



The result of our intensive Risk Reduction Process is a Risk Reduction Plan tailored to your specific organizational needs. This collection of proactive strategies becomes the basis of our ongoing relationship.


A goal without a plan is just a wish. Our team works with you to develop an implementation plan. We outline solutions, identify key players in your organization and ours, and schedule the timing of service delivery.

Critical Coverages for the Snow & Ice Industry

Business Auto Policy

A Business Automobile policy ensures protection for any vehicle utilized by your organization. Whether a single vehicle or an entire fleet, this coverage protects the vehicles, your company and your employees in the event of an accident. Coverage includes liability and physical damage, however, other coverages are available via endorsement, including and not limited Hired & Non-owned automobile liability. Except for auto-related businesses and motor carrier or trucking firms, a Business Automobile policy addresses the needs of most commercial entities as respects to automobile insurance.

Commercial General Liability

The baseline for commercial insurance programs, a General Liability policy is issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and also offers protection for advertising and personal injury liability that businesses are exposed to in the normal course of their daily operations.

Workers' Compensation

Workers’ Compensation is a form of insurance providing pay replacement and medical benefits to employees injured in the course of their employment. While plans differ among states, provisions can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).

Inland Marine

Inland Marine coverage is property insurance for property in transit over land, certain types of moveable property, instrumentalities of transportation (such as bridges, roads, and piers), instrumentalities of communication (such as television and radio towers), and legal liability exposures of bailees. Many Inland Marine coverage forms provide coverage without regard to the location of the covered property, these are sometimes called “floater” policies. As a group, inland marine coverage forms are generally broader than property coverage forms. There are various types of Inland Marine coverage such as Builders Risk, Motor Cargo, Equipment Floaters, Fine Arts, Installation Floater, Jewelers Block, Transit Coverage, Ocean Marine coverage, etc.

What Our Clients Say

I moved my insurance and risk management needs to FBinsure when I realized I needed to work with someone that specialized in my industry. Jared’s expertise in the Snow and Ice industry has been a huge benefit as he knows and understands the risks my business faces. He’s also extremely accessible. One year I called him the afternoon of Christmas Eve with a time-sensitive issue. Jared not only answered the phone but resolved my issue that day!

Nathaniel Hunter

Hunter Environmental Winter Storm Services LLC

As the owner of a rapidly growing company I need more than a typical insurance agent. I need a strategic partner who’s going to advise me on my insurance and risk management needs. That’s exactly what Jared and FBinsure are. Being in the Snow and Ice industry can make it difficult to find coverage that provides the necessary protection and is also affordable. Thankfully Jared knows the Snow and Ice industry inside and out! Through his knowledge and experience he’s reduced risk in our organization and made us more profitable.
Nick Tiernan

President, Nert Facility Solutions

Request a Quote

Just answer a few simple questions and a Risk Advisor will contact you within 1-2 business days.