Contractors

Snow Removal

Snow and ice removal services involve plowing, sanding, and de-icing roads, parking lots, and sidewalks to maintain safe, accessible conditions during the winter months. Exposure to environmental liability can result from mechanical equipment failure, improper disposal practices, and the use of de-icing agents. Accumulated snow piles may contain chemicals, trash, and sediments, which are released during melt periods. Leaks from equipment, improperly contained melting snow piles, and improper storage or over-application of deicers can lead to accidental releases that can contaminate soil and groundwater, collect in stormwater run-off, and discharge into sewage and water systems. Snow removal contractors also often provide additional off-season services, such as lawn mowing, fertilization, and other general property maintenance and landscaping, that carry their own set of environmental exposures.

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Environmental Exposures May Include:

Salt and Deicing Chemicals
Equipment Emissions
Wash Water
Fertilizer Run-off
Fluid Spills and Storage
Snow Storage and Pollutant Run-off
Property Damage and Surface Degradation
Soil Salinity and Vegetation Damage
Soil Erosion
Debris Disposal

Salt and Deicing Chemicals

Snow removal contractors regularly apply salt and deicing chemicals to keep surfaces safe. If these materials are overapplied or improperly stored, they can discharge into storm drains or sewers during snowmelt or rain events. This discharge can also run-off into lakes and streams, damaging aquatic life and nearby vegetation. Such releases may constitute a pollution incident, resulting in cleanup costs, third-party claims, and regulatory action.

Equipment Emissions

Snow removal equipment such as plow trucks, snowblowers, and skid steers often relies on fuel-powered equipment. Poorly managed operations can lead to excessive emissions from idling, leaks, or equipment failure. These emissions contribute to air pollution and may trigger complaints or enforcement actions. Contractors may face liability if emissions are linked to environmental or health impacts.

Wash Water

Snow removal trucks and equipment may be washed at a company’s facility or a third-party washing facility. Wash water may contain oil and grease, fuel residues, or chloride deicers. If not properly controlled, contained, and pre-treated before discharge into sanitary or storm drainage systems, surface water or groundwater pollution and violations of water quality standards could occur.

Fertilizer Run-off

Off-season operations, such as site-applied fertilizers, can contaminate ground or surface water and pose risks to human health, particularly if nitrification inhibitors such as nitrapyrin, dicyandiamide, or carbamoyl methylpyrazole are present. Over-application, shallow water tables, and stormwater run-off may cause this. Additionally, phosphorus, a main ingredient in synthetic fertilizers, encourages the growth of algae, which depletes oxygen in lakes, rivers, and streams and can harm aquatic life or lead to the growth of toxic blue-green algae.

Fluid Spills and Storage

Vehicles and equipment for snow removal and lawn mowing use fuel, oil, hydraulic fluid, and other automotive fluids that pose environmental risks if released. Spills may occur during fueling or maintenance activities, and leaks from hoses, lines, fittings, or valves can occur while stored or in transport. These releases can contaminate soil and groundwater or discharge into surface waters through drains or stormwater run-off. On-site storage of fuel, oil, lubricants/grease, and automotive fluids in storage tanks and drums can also leak during containment or be spilled during loading, resulting in environmental liability.

Snow Storage and Pollutant Run-off

Snow piles collect oil, fuel residue, heavy metals, trash, and other pollutants from paved surfaces. If stockpiles are placed in uncontained areas, melting snow can carry these contaminants into stormwater systems. This polluted run-off may discharge directly into waterways without treatment. Contractors can be held responsible for cleanup costs and third-party damages caused by improper snow storage.

Property Damage and Surface Degradation

Improperly operated snow removal equipment can cause physical damage to the client or third-party property. In addition, the repeated application and accumulation of de-icing agents over time may lead to corrosion and deterioration of concrete, asphalt, vehicles, and other surfaces. As a result, property damage claims may arise from both mechanical operations and chemical exposure.

Soil Salinity and Vegetation Damage

De-icing salts can accumulate in snow piles and run-off, increasing soil salinity as snow melts. Elevated salt levels may damage turf, plants, and trees by burning foliage, harming roots, and disrupting water uptake. Chloride can persist in soil after winter, potentially resulting in vegetation loss and property damage claims for landscape repair or replacement.

Soil Erosion

Soil Destabilization may occur when snow removal activities disturb soils through repeated plowing, snow piling, and the use of de-icing chemicals. Meltwater and run-off can oversaturate soils, while elevated salt levels degrade soil structure and reduce cohesion. These conditions may lead to erosion and potentially damage landscaping, exposing snow removal contractors to property damage or restoration claims.

Debris Disposal

Improper disposal of contaminated yard debris can occur during off-season maintenance or spring and fall cleanup when vegetation, soil, or other debris contains sediments, petroleum residues, pet waste, or other pollutants. Improper disposal can lead to violations of local, state, or federal environmental regulations and expose contractors to cleanup costs.

Contractors Pollution Liability Can Provide Coverage For

Contracting operations completed “by or on behalf of” the insured

Contracting operations performed at a jobsite

Third-party claims for bodily injury and property damage

Third-party claims for cleanup

Defense of third-party claims 

First-party emergency response costs

Non-owned disposal sites

Mold, legionella, bacteria, and fungi

Asbestos and lead

Sudden and accidental coverage for owned/leased locations

First and third-party transportation pollution liability

Loading and unloading

Crisis/publicity management

Claims Scenarios & Examples

A contractor was building an ice road when their snow groomer broke through the ice on Birch Lake, becoming partially submerged, and spilling diesel and oil into the water. A sheen appeared in the ice, snow, and water. The company waited roughly a week to report the spill to authorities and later released additional fluids along the shoreline due to the lack of containment protocols during recovery efforts. The company was fined about $60,000, plus a victim surcharge, for the spill and the reporting delay.
Two companies that own and operate a road salt storage and transportation facility agreed to pay a total of $185,000 to resolve alleged Clean Water Act violations. Poor stormwater management led to the discharge of road-salt-contaminated stormwater into the neighboring river.
A snow removal contractor agreed to pay a $35,000 fine to resolve a long-running legal battle with the state over environmental cleanup. The settlement followed a lawsuit by the state attorney general that accused the owner of illegal dumping and burying construction waste at several of his properties. A previous $550,000 settlement had been reached; however, the cleanup process stalled for years due to disputes over the methods and technical requirements for removing the debris. State officials identified that the incorrect disposal of the waste poses a threat to a nearby aquifer.

Final Consideration

As a contractor you can be faced with the cost to defend yourself against allegations or legal action from pollution related events, regardless if you are at fault or not. Having the proper insurance coverage in place will help fund the expenses incurred to investigate or defend against a claim or suit and provide you with environmental claims handling expertise.

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This environmental risk overview offers a general understanding of potential risks and may not reflect all risks associated with your business. Environmental Risk Professionals has compiled this overview for informational purposes only. This overview does not constitute legal opinion or advice, nor does it establish a consultant-client relationship. This overview is not intended to guide project parties in interpreting specific contracts or resolving disputes; such decisions may require consultation with counsel and depend on various factors. © 2025 Environmental Risk Professionals, LLC