Ice Cream Van Insurance: Public Liability Insurance
When considering catering insurance license, keep in mind that by
law, you must have public liability insurance to deal with claims made
against you and your business. There is every possibility that
something could go wrong with the storage containers that hold your
product; for example they could have shut down and restarted and you
were unaware of it.
This could seriously put many of your customers at risk of food
poisoning. Several other factors could cause your product to go bad or
it could become contaminated.
For these unintentional incidents, your
public liability insurance will help you to protect against claims for
huge amounts of money. This type of insurance is usually in the £5m to
£10m range. If your vehicle does any property damage to a home or
another vehicle, your public liability insurance will help you deal
with this situation.
Insurance For Your Ice Cream Van:
Employers Liability Insurance
If you are starting out with no other employees, you will not
necessarily need this type of insurance when looking for your ice cream
van insurance. However, if you have someone who will be working for
you, no matter where, you will need to have this type of coverage to
help protect you and the company from a claims made by an employee.
While it is very rare to have claims filed in this category, when
they do happen, they can be very expensive. An employee may injure
himself or herself while working in the ice cream van and you will be
responsible. If the damage is serious as might be from an accident with
another vehicle, the employee might seek a large settlement.
Your employer's liability insurance will help you to deal with this
problem and others you cannot plan for. If you hire some people for
temporary help during your busy seasons, this policy can provide you
with protection for the casual worker as well.
Just be sure to ask
exactly what is provided as part of the policy as each insurance
company can differ in what they offer. An adequate policy will cover
£10m or more. Many insurance companies will provide your public and
employer's liability insurance as a package deal.
Ice Cream Van Insurance:
Products Liability Insurance
Sometimes you will need to purchase a separate products liability
insurance policy to cover issues such as food poisoning. You should
check to see exactly what your public liability insurance covers when
you begin to shop around. Most insurance companies will provide £10m
coverage in this area.
Shop Around For Ice Cream Van Insurance
Now that you are a little more familiar with the different
insurances available, you will need to shop around to find one that
will provide you with all the coverage you are required to have and the
insurance you want to have.
Many companies specialize in policies for
businesses that provide mobile catering to the public. This is often the best place to begin your search as these
organizations usually offer better rates and coverage, as this is what
their business will focus on.
Check around with different companies and
do not just pick the first one you find. Once you get a quote, be sure
to see if another company can match or beat it and you will be well
onto your way to getting the best insurance for your new venture.
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