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Yes, most states require that snow removal companies be insured under workers' compensation. This protects the employees financially if an injury were to happen (and when dealing with ice and snow, it’s possible that injury could occur). In addition, most states require snow removal companies to be covered under general liability, which would help cover the cost of any property damage incurred during the removal process.

The process to winterize your landscaping depends on the plants you have, but generally speaking, you should rake your lawn to avoid leaves from smothering your grass and leading to mold and fungi growth, wrap young trees to protect from fluctuating temperatures, and fertilize your lawn to provide some nutrients for the grass through the colder temperatures. You can also consider marking off small trees and shrubs to avoid accidentally damaging them with snow removal tools.

The best time to hire a snow removal professional is long before snow falls in your area. Signing up for a seasonal contract not only provides peace of mind that your property will be cleared every time it snows, but it’s also often more affordable to sign a contract than paying for one-off services. If you prefer one-off shoveling services, you should contact your snow removal company the day before a storm is expected to schedule service. You can also call the morning of the snowfall, but this might result in delays.

If you do end up with frozen gutters, it's important to thaw them correctly. Thawing your gutters slowly is far safer than trying to break apart the ice. Once you get through the ice, bring in a gutter professional to check out the effectiveness of your heated system.