What types of insurance coverage for the ice cream truck business?
Ah, the wonderful sounds of summer: the joyous song of the birds, the beat of the seashore, the laughter of children frolicking in the open air, and the melodies that warn neighborhood children of all ages that the truck is ice cream has arrived.
Ironically, that happy sound of music announced by the ice cream truck brings untold sadness to some. For the mothers, fathers and siblings of those children who died in a related accident, the sound will never be reconciled.
Although accidents can happen and the associated insurance coverage may come along with financial protection, the dangers associated with this type of mobile frozen confectionery store and excited kids looking forward to a favorite treat need careful consideration. There are things parents, caregivers, and ice cream truck operators can do to mitigate the risks of death and serious injury. These include the installation of more mirrors in the vehicle and a seat bar to prevent children from getting in the way of the blind spot, as well as other safety mechanisms.
As far as insurance companies are concerned, any equipment installed to prevent accidents can result in some kind of discount on the premium for a commercial car. You can also lower rates on an already discounted insurance package that combines commercial auto insurance with a business owners policy.
For the convenience of reading, we have listed the various forms of coverage related to this business below.
Special commercial auto insurance for the ice cream truck business
• Commercial automobile liability coverage
All US states require commercial auto liability coverage to protect businesses from bodily injury liability when an accident occurs. This coverage also protects against property damage liability when the other car is damaged or when buildings or other property are damaged.
• Collision coverage
If an ice cream truck driver caused an accident that resulted in damage to your own truck, this insurance will help you with repair costs or truck replacement costs if repair work is not an option.
• Medical payment coverage
This insurance will help pay for medical expenses if the truck driver or passenger is injured in an accident.
• Coverage for uninsured or underinsured motorists
Uninsured or Underinsured Motorist Coverage can help pay for damage done to the truck by another driver if you are uninsured or underinsured and cannot cover the repair or replacement bill in full.
For more information on insurance (commercial auto or business), speak with a professional independent agency that has its clients’ interests at the forefront.