CG 22 92: Snow Plow Operations Coverage Explained

CG 22 92 modifies a commercial general liability policy to address bodily injury or property damage arising from completed snow plow operations. Within the defined products-completed operations hazard, it makes the auto exclusion inapplicable to an auto used for snow plow operations.^[4]

It does not replace commercial auto insurance while the plow vehicle is being operated, and it does not guarantee coverage for every slip, fall, collision, or snow-removal dispute.

Why does snow plowing create a coverage question?

A self-propelled vehicle with permanently attached snow-removal equipment is generally treated as an auto rather than mobile equipment under the CGL. The auto policy is designed for liability while that vehicle is being driven and operated. A later allegation that the finished plowing left an unsafe pile, ridge, or surface raises a completed-operations question.

CG 22 92 says the CGL auto exclusion does not apply to bodily injury or property damage arising from completed snow plow operations. Industry analysis describes this as an exception for the completed-operation claim rather than active vehicle use.^[1]

What does CG 22 92 not settle?

The endorsement does not remove the need to prove an occurrence or satisfy the rest of Coverage A. It also does not decide whether work was complete, whether an insured breached a contract, or whether an exclusion for the insured's work applies.

Coverage can depend on when the alleged hazardous condition was created and whether the claim arises from vehicle operation or from the condition left after completion. Report the claim to every potentially responsive insurer rather than assigning it to one policy from the accident description alone.

What should a snow contractor verify?

Review the underlying CG 00 01 CGL form. Confirm commercial auto covered-auto symbols for owned, hired, and non-owned vehicles, and confirm the CGL includes snow-removal operations in its classification and exposure information. Then review the CG 22 92 edition, completed-operations limits, contract requirements, and umbrella follow-form terms.

The City of Dubuque requires CG 22 92 when contracted work involves snow or ice removal.^[2] The 12 07 form remains listed by its Snow Plow Operations Coverage title in multistate form references.^[3] A certificate alone does not prove the endorsement is attached.

This guide is for educational purposes and summarizes standard ISO policy language in original words. Menlo Insurance Services is not affiliated with Insurance Services Office, Inc. Your policy's classifications, terms, limits, and endorsements control. Talk to a licensed broker about your snow operations.

The Bottom Line

CG 22 92 addresses a narrow completed-operations issue after snow plowing, while the auto policy remains central during vehicle use. Snow contractors should coordinate both policies and verify the endorsement itself.