04 Jun Insurance for Ice Cream Trucks
Insurance for Ice Cream Trucks
Ice Cream Trucks, like all businesses, have important Insurance needs that need to be addressed with the right Insurance coverages. There are several important coverages that should be considered, regardless of your operations.
Insurance for Ice Cream Trucks – Commercial Auto
First and foremost, you should carry a Commercial Auto policy for your Ice Cream Truck. Commercial Auto Insurance is not much more expensive than personal lines Insurance and you can often obtain several additional important coverages. For example, with the majority of Commercial Auto Insurance Policies, you can add your permanently attached equipment to the property coverage. When purchasing Commercial Auto Insurance, we typically recommend going with limits of $1,000,000 Combined Single Limit. In addition to providing enough coverage, obtaining these limits may also help you get jobs, as many companies that hire Ice Cream, Catering or Food Trucks to carry the $1,000,000 Combined Single Limit coverage amount.
Insurance for Ice Cream Trucks – General Liability
General Liability Insurance is another important coverage and is quite affordable. General Liability can provide coverage for bodily injury or property damage incurred to third parties that arise due to your operations. There are several General Liability programs available, and you can often obtain discounts on your Commercial Auto by carrying a General Liability policy. In some cases, you can obtain a Business Owners Policy, which will bundle your General Liability and your Business Personal Property into a single, affordable policy.
Insurance for Ice Cream Trucks – Workers Comp
The requirements for Workers Comp differ from state to state. Regardless of state requirements, it is generally a good idea to purchase Workers Comp if you have any employees. This is because regardless of requirements, employers are often held liable for their employees, should they incur any injuries or illnesses. While Workers Comp can be expensive, there are ways to reduce the cost of this coverage. Maintaining continuous coverage can go a long way in reducing your premium. In addition, you may be able to obtain Workers Comp with the same carrier as your General liability, which may give you a discount on one or both policies.
There are additional things you can do to save money on these policies. To learn more about Insurance for your Ice Cream Truck, give us a call!
You can reach us at 925-297-4829.
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.