Winter Readiness is Smart for Business

Winter weather is drawing near, signaling a new holiday season of excitement, merriment and . . . accidents. If you have clients whose business requires them or their customers to navigate snow or ice in any capacity, now is the time to make sure they have the coverage they need to keep everyone on their (twinkle) toes.

Tree Limb Removal

Winter storms are hard on trees. Frozen, snow-covered limbs crash on rooftops, power lines and cars — keeping employees at tree care companies bustling like elves. But there’s a certain amount of liability inherent in the work. The right insurance can make the difference in protecting a tree service owner from a bevy of liability issues as well as their bottom line.

It’s especially important for agents to take the time to educate tree service clients and prospects about the value of their insurance coverage, as well as the many options they should consider. Odds are that many clients haven’t sorted through the rules, regs and amounts of coverage they need. You can help them out, before the snow flies.

Snow Removal

If you have snow removal contractors as clients, look no further than UIG for A+ Rated coverage, including: contractors clearing ice and snow from parking lots, driveways and sidewalks, using motorized plows attached to pickup trucks. (Coverage is not available for work on streets, roads, highways or interstates.)

Coverage Highlights:

  • A+ Rated Carrier
  • Limits up to $1 million and as low as $100,000
  • Minimum Premium $1,250
  • General Liability Coverage Only

Ineligible Operations:

  • No city or state contracted work
  • No work on streets, roads, highways or interstates
  • Coverage not available in CA, CO or NY

Christmas Tree Lots

Don’t underestimate the excitement that surrounds picking out “the perfect” Christmas tree each year. Crowds of families vying for that special spruce (and youngsters running in all directions) presents any number of possibilities for an accident — especially if the surface of your lot is uneven or snow-covered.

UIG can protect clients operating Christmas tree lots this season with liability coverage that is sure to keep them in the Christmas spirit. Are your clients non-profit groups such as Boy Scout groups, Kiwanis, Lions Clubs, etc.? Consider this from UIG:

  • $100,000/$200,000 GL limit
  • $350 total cost, up to 2 months coverage
  • $35 for any additional Insured

To find out more about these and other Winter Readiness coverages with UIG, drop us a line at or call 800.385.9978.