Ice Cream Truck Insurance

  What is Ice Cream Truck Insurance?

Ice cream truck insurance protects you against the typical risks of running a food business on wheels. It covers your vehicle, protects you as a business owner, and covers accidents, damage to property, injuries, and lost earnings if your business has to shut down.

 Types of Ice Cream Truck Insurance Coverage

Ice cream truck insurance combines several types of coverage to protect your mobile business. Here are the most important policy types you’ll need:

Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) combines general liability, commercial property, and business interruption insurance into one package. Small business owners see it as an affordable and flexible way to get broad protection for their ice cream truck, its equipment, and any work-related claims.

General Liability

A general liability insurance policy protects your business from claims third parties make for bodily injury or property damage. If someone gets hurt near your ice cream truck or you damage another person’s property, this policy will help pay for medical bills or legal fees.

Commercial Auto

Your ice cream truck is a business vehicle so personal car insurance won’t cover it. Commercial auto insurance covers work vehicles, accidents, damage to your truck, and liability while you’re driving. It also covers your truck if bad weather or thieves damage it.

Commercial Property

This policy covers the equipment inside your ice cream truck like freezers, ice cream makers and other tools you need to run your business. If these get damaged or stolen, commercial property insurance will pay to fix or replace them.

Business Interruption

When your ice cream truck can’t operate due to an unexpected event like a fire or vehicle damage, business interruption insurance will pay you for the income you lose during that downtime.

Workers Compensation

If you have employees working for or with you, workers’ compensation insurance is required in most states. This coverage is designed to pay for medical bills and lost wages in the event an employee is injured on the job. It’s necessary for businesses where employees are exposed to physical hazards, such as working with machinery or driving.

  Ice Cream Truck Insurance Costs

Expect to pay between $100 and $250 per month for a full policy. This could cover general liability, commercial auto and property insurance.

Your food truck insurance costs will be affected by:

• Location: Running your business in busy city areas will cost more because of the higher risk of accidents or theft.
• Claims history: If you’ve made claims before, this will increase your rates.
• Vehicle type: You may need to pay more to insure older trucks or vehicles of higher value.
• Employee count: If you have employees you’ll need to add workers comp insurance which will add to your total cost.

Get Ice Cream Truck Insurance

If you want to get an exact cost for Ice Cream Truck Insurance, we encourage you to get quotes now from our experienced agents.

Our experienced agents are well-versed in working with Food Truck Business owners. After understanding more about your business, our agents can usually reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive.

We provide the finest comprehensive plans for your business by providing:

• Knowledgeable, licensed insurance agents
• Same-day coverage in most instances
• Coverage from A-rated insurance companies
• Ability to offer policies nationwide
• The lowest price for the best Insurance coverage in the industry