Questions worth resolving early
Describe the activities you undertake, even when they are occasional or subcontracted. An unanswered question is not the same as a confirmed absence of risk.
- Owner indemnification clauses
- Zero-tolerance or continuous-service promises
- Incident reporting and prior claims
What to prepare
These are preparation topics, not a list of mandatory carrier forms.
Snow and ice service agreements
Service triggers, site logs, weather records, subcontracting and indemnity terms.
Why discuss it: Documents service responsibilities and the records available after an incident.
Useful documents to gather
- Sample service agreements
- Time-stamped site, weather and salt records
- Incident reports and subcontractor agreements
Your broker or insurer may ask for different or additional information. Do not treat a document title here as confirmation that a particular form or coverage applies.
Bring facts—not assumptions—to your broker.
Organize your operations and unresolved questions. The summary does not quote a premium, recommend a limit, or determine market acceptance.