Ice cream truck insurance

Call (888) 973-0016 and get insured today!

As an Ice cream truck owner, you need the right insurance to protect you from legal and financial headaches. Speak to us today about ice cream truck insurance and protect your business.

Do you run a fast food restaurant and need an insurance policy to protect your business from everyday risks? To help you find the right coverage for your fast food restaurant, our experienced insurance agents will do a full assessment of your business to identify your unique business risks. From there, they’ll be able to recommend the right coverage for your restaurant and present you with the most competitive quotes.

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.

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.

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.

Frequently Asked Questions:

Do I have to get insurance for my ice cream truck?

Yes most states require ice cream truck owners to have certain types of insurance commercial auto and general liability. Check your local laws to make sure you’re in compliance.

Can I get coverage for employees driving my ice cream truck?

You can add coverage for employees who drive your truck through a commercial auto policy. Make sure all drivers are covered in case of accidents or damage while they’re working.

Can I bundle Ice Cream Truck Insurance with other business insurance?

Yes, you can with a Business Insurance Policy. This often includes general liability, commercial auto, and property insurance. Bundling makes it easier and saves you money.

What are typical coverage limits for Ice Cream Truck Insurance?

Coverage limits vary by policy and insurer. For general liability, it is $1 million to $2 million. Commercial auto policies vary but coverage for property damage or bodily injury usually starts at $100,000 per occurrence.

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: