Ice Cream Truck InsuranceDo you know all you need to about ice cream truck insurance?
As with any vehicle, insurance is required by law if your truck will be on the road.
But there's much more to think about when your vehicle is part of your foodservice small business.
Complexities of Vending Insurance
Researching insurance is already so complicated that many individuals consult a professional broker to help them find the best rates and most ideal coverage for their specific situation.
What you may not know is that when it comes to covering your ice cream truck, insurance becomes even more complex.
Your ice cream truck cannot be covered in the same way as your private car; as a business vehicle it must be covered under a commercial policy. Most of the major auto insurance companies offer commercial policies and some have developed policies tailored to the needs of ice cream businesses.
Insurance Needs and Flexibility
You may remember from buying other types of insurance that there is usually a range of coverage levels from which to choose.
Your mobile vending insurance choices are similar; you will need to find a balance between cost and safe coverage level.
At the minimum, you may decide to simply insure your truck against damage from others or you may choose to play it safer and add coverage in the case of unpredictable events such as fire or weather damage.
As you search for insurance, one pleasant surprise may be the flexibility of insurance policies on the basis of your business's seasonal nature.
Rather than paying to have your ice cream truck insured during the months that it simply sits on your property without selling any product, you should be able to find a seasonal policy that is only active (and paid for) during your working months.
Get the Right Ice Cream Truck Insurance
Buying your own mobile vending insurance is more difficult than it looks initially.
Don't make the mistake of assuming things are as simple as they appear; you may be putting yourself on the path toward an expensive food safety violation or even a lawsuit if your coverage is below the legal minimum and/or doesn't meet the industry's requirements.
Talk to a broker and find whatever other experienced help you can find to make sure that you buy the right ice cream truck insurance, keeping your business not only fun and profitable, but also protected adequately against whatever mishaps could occur.
By Jenn Fraiser
New! Please leave a reply!Only
Connect with the Cowon
Serving Ice Cream Twitter
Ice Cream Truck Business PlanAvoid the mistakes of other ice cream truck business owners. Learn the secrets to success!
Music BoxesFind the music equipment you need for your truck.
Soft Serve Ice Cream MachinesLooking for a soft serve ice cream machine? You'll find floor and counter top models here.
Buy an Ice Cream TruckFirst learn about what to look for, then buy an ice cream truck.
Shaved Ice and Sno Cone MachinesSno cones are one of the most profitable products sold on an ice cream truck. Find your shaved ice machine now!
Ice Cream Truck DecalsFirst learn about what to look for, then buy an ice cream truck.
Ice Cream FreezersNeed an ice cream freezer? Find cold plate freezers, chest freezers, and dipping cabinets.
Frozen Drink MachineHelp quench your customers thirst with these frozen drink machines!
Add Your BusinessPromote your ice cream business or ice cream related business by adding your business to Serving-Ice-Cream for free!
Looking for Something?
Quickly and easily find just what you are looking for by searching!
Enjoy This Site?
Then why not use the button below, to add us to your favorite bookmarking service?
Serving-Ice-Cream.com. The art of making, serving, and selling ice cream.