Not Disclosing Youthful Drivers On Your Ice Cream Truck Insurance Policy Can Be Dangerous
Not Disclosing Youthful Drivers On Your Ice Cream Truck Insurance Policy Can Be Dangerous
When early Spring comes, vendors of ice cream launch their efforts of shopping for the suitable coverage for their ice cream vending vehicles. Many ice cream vendors set the maximum focus on obtaining the cheap ice cream truck insurance premiums. While premiums are very much significant, other considerations should not be left behind during the search process and after finding your preferred ice cream truck insurance policy.
Looking For The Proper Ice Cream Truck Insurance
Shopping for insurance to cover your ice cream vending vehicle should be an easy task. For one thing, there are not many insurance companies that offer this coverage and unlike private passenger car insurance, there are lesser number of insurance companies that are willing to sell insurance coverage for ice cream vending trucks. Start by looking for quotes from referrals of folks around you including ice cream wholesalers and other ice cream vendors, like yourself. Also, the online worlds can be used in searching for cheap insurance for ice cream truck.
Insurance cost is, naturally, a principal concern for every ice cream vendor. But as you are selecting the smallest possible quotes, keep in mind the following:
1. Don't forget that you what you need is a quote and policy proposal for a business vehicle policy, and not a personal auto policy. If you do not make a point of the fact that your 'van' is a commercially used vending vehicle then you might not getting the ideal commercial policy.
2. Remember to get the appropriate liability coverage that fits your needs or the needs of your organization. Some insurance providers providing this coverage give it only at minimal state limits. The minimum limits of liability on ice cream trucks is $20,000 bodily injury per person, $40,000 bodily injury per accident, and $15,000 in property damage per accident. These limits may be inappropriate for selected businesses or business owners with large assets that necessitate higher protection. Many governmental bodies, municipalities, and counties in Illinois require that ice cream vendors have a minimum of $1,000,000 in public auto liability.
3. Full coverage with comp and collision may not be really necessary if the truck is older. If you decide to have it make sure to ask your insurance agent if your company is also covering the freezer and cooling equipment.
4. You probably will have to purchase general liability policy which will provide coverage in instances when your business conduct as a seller (not as a truck owner or as driver) cause bodily damages to others (For example, if the ice cream products you sell cause bodily harm to others.) Again working in a spot belonging to a town or a county may require that you get this insurance before the local authorities enable you to vend ice cream in their area.
5. Make sure to get workers compensation if you employ others. Your business will be in violation of the law if your organization is operating without workers compensation coverage. Also, some municipalities and villages will not allow you to vend on the streets unless you have workers compensation coverage.
6. Be sure to disclose all of the people who will be operating the truck. Also, keep in mind that forgetting to disclose other drivers may lead to the cancellation of policy. If you decide to include a driver less than age of 25 years, your cost will go up. Also remember that many insurance carriers do not allow any drivers age 20 or under to be driving a commercial vehicle. You are assuming too much risks if you authorize younger drivers below age 25 years to drive an ice cream auto, while they are not scheduled on the policy.
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