A Guide To Ice Cream Van Insurance
All ice cream vans and other mobile catering vans are required to carry liability insurance to cover motor vehicle accidents. Not just limited to ice cream van insurance, this type of cover is required for every motor vehicle on the road. Unless specified, it doesn’t cover losses or injuries to the owner of the van. If you are a sole trader/driver you are leaving yourself open.
Most authorities also require various mobile catering vans and ice cream vans to carry third party liability insurance to protect customers and other third parties in the event of food poisoning, or accidental injury. This is vital to business owners who would otherwise risk a considerable amount of expense defending themselves in liability cases should equipment fail or cause damage. Like in a catastrophic fire for example. It would also cover in cases of the aforementioned food poisoning, by paying injured parties. Normally, it does not cover any injuries or losses to the owners or damage of property owned by the owner.
Customised policies offered professional agents who specialise in mobile catering can cover virtually all of the risks involved in mobile catering. They can tailor the level of cover to meet the needs of specific businesses. They determine the level of risk and charge accordingly, but they are still much more affordable and user specific than policies put together by companies who do not normally handle mobile catering.
Mobile catering and ice cream van insurance companies offer adequate levels of coverage at reasonable rates. Comprehensive cover is a type of insurance that protects not only injured third parties and their properties, but also injuries and property damage suffered by the owners and their employees. Further comprehensive mobile catering insurance covers a wider variety of potential mishaps than most any other type of policy. They cover theft losses, injuries due to theft, vandalism, cooking accidents resulting in injury, injuries due to mishaps near the van, fire damage, and even lost profits.
Specialised mobile catering insurance can be affordable as long as you understand the risks, read more on our insurance for ice cream van risks page. An experienced catering insurer will have experience in managing the risks and will be able to recommend a policy tailored for a perfect fit with each ice cream van owner’s needs. It offers the best of protection at a competitive price, and in the event of a claim it pays off quickly, without loopholes. This leaves a business owner to focus on generating revenue rather than paperwork.
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