Your Plow Guy Damages Your Garage Door

❄️ 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.

🎯 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: brian@jdchapmaninc.com