Catering trailer insurance is a crucial part of any catering business
that is run out of a trailer. For those of you who have made the
decision to go into business, you will need to
understand a few things and the importance about catering trailer insurance.
Importance of Catering Trailer Cover
Most insurance companies will provide you with an insurance policy to
cover your catering trailer. First, you might ask, what is a catering
trailer? A catering trailer is a separate coach that is attached to a
vehicle and is used for preparing and selling food.
One of the biggest
benefits of having a catering trailer is that you can move it around
from one location to another in order to capitalize on the different
markets. Do you need to have insurance on your catering trailer? You
most certainly do. Catering trailer insurance is not just to protect the
general public but also to provide you with the tools necessary to
protect your investment.
Evaluating the Different Types of
Catering Trailer Insurance Policies
Each insurance company may cover different aspects but the following
are the most common things you should expect from any catering trailer
policy. You need protection from accidental damages, fire and possible
thefts. You can choose to cover all three or a combination of the
If you have money stored in your catering trailer, your policy
can help to protect loss associated with its theft. One of the most
expensive things to deal with is legal expenses. A good trailer
insurance policy will cover these expenses and the out of pocket ones
that your other insurance policies may not provide for.
Be sure to look at any policy that you are interested in, as
some of the items that you use in your catering trailer may not be
covered. An example of this is that most policies do not cover your
generator or gas bottles that you may have on the trailer. It is
important to understand the limitations of the catering trailer policy
so you will not be surprised when an unfortunate incident may occur.
You can help yourself save some money on this policy by making
sure your trailer is in the best shape possible and that it has all the
necessary licenses that are required by law. This may include a gas
safety certificate and an electric certificate if you have electricity
installed in the trailer.
Liability, Employer's and Product Liability Insurance
Do not forget that you will need liability insurance on your
catering trailer, as the law requires it. This insurance will help you
if your trailer is involved in an accident whether it is your fault or
someone else. Liability insurance can protect your investment from
things that you cannot foresee. The law also requires you to have
employer's insurance to protect your employees.
Even if you just have one person who helps you out from time to
time, you have to provide insurance to protect them in case of harm.
Many people make the mistake of thinking a contract or casual employee
does not need the coverage.
An optional insurance that you should consider purchasing for your
catering trailer is the product liability insurance. This can cover
you in the event of a bad batch of food being served to the public and
people getting sick.It can help you with health code fines and take
care of the medical expenses the public may be faced with, because of
the food that was bad.
When you look for your catering trailer
insurance, you will often find companies that can provide all the
policies mentioned above in one package. This will help you to save
money on your insurance and still rest comfortably knowing you are
protected as best as possible from things you cannot predict.
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