Ice Cream Van Insurance and Your Business
Just hearing the tinkling bells of the ice cream van can send you back to childhood and great memories of hot summer days when you were queued up to choose your favorite ice cream flavour to cool off.
While any person is definitely experienced when it comes to choosing and eating ice cream, being behind the scenes and operating this type of business is a different matter.
It's such a niche market that not many people are aware that there are such things as multi van insurance! However, it's a very important aspect of the business that it's well worth a long and careful search for the right insurance provider for the job.
It is imperative that you find the right insurance package for your business that can cover you completely no matter what happens.
It will vary depending on the age of your ice cream van, the amount and type of equipment that you have, and even the age of your driver.
Premiums will also vary depending on whether you are insuring a single van or an entire fleet.
Safe driver records would help you to get additional discounts and most insurance companies can transfer the no claims bonus from a personal car to your frozen cream van.
It's harder to understand why frozen dessert van insurance is more expensive than other types of vehicle insurance.
It must be considered that the vehicle is almost constantly in motion and is at the risk of accidents every day.
Add to that the risks on employees, customers, equipment, and products and you'll get a good idea of why premiums are high.
It will cost you more however, to ignore the fact that you need to have insurance.
If, for example, your frozen dessert van is fully stocked for the day and unfortunately breaks down before it gets to the area where it makes its rounds, you are in danger of losing all of the stock if they melts! The faster you can get the van towed or repaired the sooner you can get your business back on the road and save your stocks.
And while there are fewer hazards in the form of heat or knives, there is still the occasional threat of food allergies or poisoning that could hit your customers.
You should also be prepared for that eventuality with the right type of insurance for this business.
It's just right to be wise and get insured.
While any person is definitely experienced when it comes to choosing and eating ice cream, being behind the scenes and operating this type of business is a different matter.
It's such a niche market that not many people are aware that there are such things as multi van insurance! However, it's a very important aspect of the business that it's well worth a long and careful search for the right insurance provider for the job.
It is imperative that you find the right insurance package for your business that can cover you completely no matter what happens.
It will vary depending on the age of your ice cream van, the amount and type of equipment that you have, and even the age of your driver.
Premiums will also vary depending on whether you are insuring a single van or an entire fleet.
Safe driver records would help you to get additional discounts and most insurance companies can transfer the no claims bonus from a personal car to your frozen cream van.
It's harder to understand why frozen dessert van insurance is more expensive than other types of vehicle insurance.
It must be considered that the vehicle is almost constantly in motion and is at the risk of accidents every day.
Add to that the risks on employees, customers, equipment, and products and you'll get a good idea of why premiums are high.
It will cost you more however, to ignore the fact that you need to have insurance.
If, for example, your frozen dessert van is fully stocked for the day and unfortunately breaks down before it gets to the area where it makes its rounds, you are in danger of losing all of the stock if they melts! The faster you can get the van towed or repaired the sooner you can get your business back on the road and save your stocks.
And while there are fewer hazards in the form of heat or knives, there is still the occasional threat of food allergies or poisoning that could hit your customers.
You should also be prepared for that eventuality with the right type of insurance for this business.
It's just right to be wise and get insured.
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