Insurance Upload Requirement
Insurance requirements and renewal rules for mower and snow-clearer approval.
Draft policy for pre-launch planning only. Have a qualified attorney review and replace this before public launch.
Minimum coverage
Each mower must maintain active general liability insurance with at least $1,000,000 per occurrence and $2,000,000 aggregate, unless ComeMow grants a documented admin exemption for controlled testing.
The policy should cover lawn mowing or landscaping-type work, property damage, bodily injury, and operations in the service area.
Snow-removal minimum
$1,000,000 per occurrence and $2,000,000 aggregate commercial general liability coverage that includes snow and ice removal.
ComeMow LLC must be listed as an additional insured before public snow-removal offers are enabled.
The policy must include snow and ice removal and must not exclude completed operations or slip-and-fall exposure for snow/ice work.
Commercial auto coverage is required for truck, plow, trailer, ATV, UTV, or other vehicle-based snow work.
Workers' compensation must be verified when the pro has employees or is otherwise required to carry it under Iowa law.
Solo pros with no helpers must sign a no-employee independent-contractor attestation.
Pros who offer ice melt must confirm their policy does not exclude deicing or salting work and must record whether ice melt was applied.
Document review
Mowers must upload a certificate or proof of insurance showing the insured name, carrier, policy number if available, coverage limits, effective date, expiration date, and covered work type.
ComeMow may reject unreadable, expired, mismatched, incomplete, or insufficient documents.
Renewal and expiration
Mowers should upload renewed insurance before the current document expires. ComeMow may pause job offers when insurance is expired, missing, rejected, or under review.
Admins should review insurance at onboarding, renewal, and after any incident or coverage concern.
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