A Landscaping insurance package policy can cover all types of equipment, such as rototillers, tractors, lawn mowers, and even hand tools. However, covering some specialized items, like snow plows on pickup trucks, may require additional conversation with your insurance agent.
If the plow, or your mount hardware, is considered customized equipment on your vehicle, you may end up receiving coverage for physical damage to these items via the stated value of your vehicle on your commercial auto policy. Otherwise, coverage may come from an inland marine policy. Likewise, a skid loader or other self-propelled piece of equipment used for plowing or snow removal will typically be scheduled on an inland marine policy.
The underwriter at the company providing you with inland marine coverage for your snow removal equipment may look at those items and their propensity for loss or damage differently than landscaper’s equipment, and as such, apply a varied rate.