❄️ Your plow guy just backed into your garage door — now what? In this episode of Is It Covered, Bruce and Brian Chapman of JD Chapman Insurance break down a multi-scenario snow plow claim that covers everything from garage door damage to dangerous snow piles blocking traffic.
Whether you're a homeowner hiring a plow contractor or someone running a plow business on the side, this episode is packed with real-world insight you don't want to miss.

⏱️ TIMESTAMPS
00:00 – Introduction & Disclaimer
00:28 – Welcome to the Winter Edition
01:18 – The Multi-Scenario Snow Plow Claim
02:17 – What Insurance Does a Plow Operator Need?
03:16 – Personal Auto vs. Commercial Auto Policy
04:10 – How General Liability Coverage Works
05:31 – Advice for Homeowners Hiring Plow Contractors
06:24 – Is It Covered? The Verdict
07:13 – Outro & How to Submit Your Claim Scenarios

🎯 IN THIS EPISODE YOU'LL LEARN:
+ Why a personal auto policy won't cover you if you're plowing for money
+ The business exclusion clause that could leave you footing the bill
+ What a commercial auto policy + general liability policy covers for snow plow operators
+ How a dangerous snow pile can create liability — even if you didn't cause the accident directly
+ Why homeowners should always ask contractors for proof of insurance
+ What happens if you don't salt and someone slips and falls

📬 HAVE A CLAIM SCENARIO?
Submit your real or hypothetical claim scenarios to: [email protected]

🌐 LEARN MORE:
Website: www.jdchapmaninc.com
Phone: (315) 986-4062
#InsurancePodcast #InsuranceClaims #SnowPlow #Driveway #SlipAndFall #Rochester #SnowProblems #CommercialInsurance #IsItCovered #JDChapman