Ice cream van insurance is composed of different types of policies which you can purchase together so you can protect your mobile ice cream business. This can include public liability, stock, ice cream van driver, business equipment as well as fixtures and fittings insurance.
Why you need ice cream van insurance?
Before you can take your vehicle on the road, you must get an ice cream van insurance first. Although, you could choose to get a cheaper option which includes theft, fire, and third party, however, this is not actually cost-effective. What if your ice cream van will be damaged?
Having a comprehensive ice cream van insurance can cover any damage to your vehicle. Hence, you will be able to claim for the repairs of your van insurance.
What can be covered by your ice cream van insurance?
Public Liability Insurance
Public liability insurance can protect your business against any claims made by your customers or any members of the public in the event that your business caused them injury or damage to their property. For instance, you fail to notice that your refrigerator was not properly functioning and as a result, your ice cream started to defrost. Despite this, you still continue selling your ice cream and because of this, your customers suffer from food poisoning after eating your ice cream. As a result, they file a claim against your business. If you have public liability insurance, then it can compensate your customers who suffered from food poisoning.
If you are not covered by public liability insurance, then your customers might not be able to claim on your insurance. When this happens, they will likely tell their friends about it or worse spread it on social media. They will make sure that nobody will buy your products anymore. As you can see, this is the reason why it is very important to have public liability insurance.
Employers Liability Insurance
If you have employees, then you will need employers liability insurance. This is a legal requirement for businesses which have employees. Hence, if you don’t have this insurance, then you will be fined for each day that you are not covered. Additionally, you will have to pay for the compensation and legal fees in case an employee will file a claim due to an injury or illness caused by your ice cream business.
For instance, one of your employees slipped on the wet floor and broke his back while working. Employers liability insurance can cover the cost of medical bills as well as the loss of income until such time that he can go back to work.
Fixtures and Fittings Insurance
Fixtures and fittings insurance can protect your soft scoop machine and all the other things inside your van. So, in case there is fire, flood, theft, or any damage, you can claim on your insurance for the replacement or repair of this equipment.
Van Fleet Insurance
This is appropriate for those who have more than one ice cream van. Obtaining an ice cream van fleet insurance for all your ice cream vans can save you money. Since you only have one policy, then you also have to pay only one insurance premium. It is also easier to manage since you can add or remove ice cream vans any time you want.
Business Equipment Insurance
Business equipment insurance can cover your equipment such as your freezers, soft scoop makers, etc. This can pay for its repair or replacement. For instance, if your soft scoop machine has stopped working because it is already worn out then you can make a claim for it so it can be replaced with a new one.
With a legal cover, you can protect your business against any legal cases filed against your company. For instance, one of your customers filed a legal case after suffering from an allergic reaction due to the nuts in your ice cream.
All of these insurance options can be combined together in one ice cream van insurance policy. This can cover for most incidents that might happen while you are running your ice cream van business. However, you also have the option to only include the insurance covers that you want. You can compare quotes online and also pay your monthly premium payments online. You must display your employers’ liability insurance, van insurance, and public liability insurance policies where it can be seen by your employees.
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