Ice Cream Van Insurance - Is It Worth It? - By: Jenna Jones

When people think of starting up an ice cream business, particularly one that involves an ice cream van or an ice cream cart, the last thing that crosses their mind is acquiring insurance to cover their investment. After all, what can go wrong with an ice cream?

Once you make it your business, a lot can happen before that iced lolly reaches your customer. For example, you have just stocked your van’s refrigerator unit to the gills in order to get an early start on a nice, sunny weekend at the main park in your town. You are just about a kilometer away when the battery on your ice cream van dies. This means double the amount of panic – with no battery, that means you may not make your sales for that day and there is nothing powering your refrigerator. All your stocks just might go down the drain – literally. You've already probably paid out for a license to trade there for the day.
Or, a customer develops a food allergy from one of your ices that has a trace of peanuts in it. Or even worse, your ice cream van has just hit a pedestrian. What are you going to do now?

Prudent entrepreneurs would have a comprehensive insurance policy on their ice cream van, its fixtures, and the stocks. With just those three problems mentioned above, it becomes clear. There are many more risks involved with the ice cream business than you would think of at first glance.

Mobile catering insurance (which win some cases also cover ice cream vans) would ensure that you secure yourself from vehicle and pedestrian accidents as well as provide cover for caterers’ liability insurance to protect yourself from problems with your business product.

However, specialist insurance agents may recommend a more comprehensive level of cover. Apart from the basics, public liability and third party liability policies would be common choices. Product liability could be offered next. And no wise employer would do without an employer’s liability policy.

Breakdown and towing insurance would greatly cut down on out-of-pocket expenses. Lastly, accidents such as fire or natural disasters, theft, vandalism, or a vehicle accidents could put your ice cream van out of commission for quite a while. How will you pay your employees or make up for the loss of income while you have no means to earn?

So, while there are many “what ifs” when it comes to the mobile ice cream business, there is one easy way to take care of all those questions. Talk to a specialised ice cream van insurance company and make sure every aspect of your business is covered.

About the Author

An ice cream van insurance policy from NCASS will offer you maximum protection for your business. Our policies can provide cover for almost any mobile catering van requirement. We also provide ice cream trailer insurance cover.

Article Directory Source: http://www.articlerich.com/profile/Jenna-Jones/79985

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