Do you want to run a restaurant business and want to go mobile? with a truck? here is a complete guide on how to get insurance coverage for your catering van.
If you are a mobile catering business, you must have a van or other vehicle, such as a trailer or truck, to transport prepared meals from your kitchen to the point of sale. In fact, your vehicle is your most important piece of equipment because it puts your business directly in front of your customers.
Catering establishments use either vans or trailers. While many may think that there isn’t much of a difference between the two, there actually is. The van can be driven, but the trailer must be towed by another vehicle, even if both serve the same purpose.
In this article, I will discuss the insurance policies available for mobile catering vans, the importance of insurance for mobile vans, and how to get insurance coverage for mobile vans. So if you are using a van to convey your mobile catering deals, this article is for you.
What are the insurance policies for mobile catering vans?
There are many insurance policies available to owners of mobile food service vans that can protect them and their business from liability. Before choosing any of these options, you should consider some factors, such as the size of your business ( from the point of view of employees ), market and industry requirements, government regulations, etc. Here are some of the most common insurance policies available to food service providers:
- General liability insurance
This insurance policy is not specifically designed for mobile catering vans. But it can protect your business from liability for injury, food contamination, or other causes, because it covers a wide range of risks that all businesses face.
For example, if one of your employees is injured while doing their job in their mobile food service van, or if a customer becomes ill after eating food purchased from your van, you could be held responsible. And if a lawsuit is brought against you, you could end up losing huge amounts of money in litigation. However, a general liability insurance policy will protect you from this.
This type of insurance also protects your business against damage caused by sudden loss or damage to any of your major equipment.
- Product Liability Insurance
This type of insurance policy protects your business from liabilities that may arise as a result of the products you offer, for example, due to claims made against you if you have accidentally served drinks that cause food poisoning to your customers. Such mistakes can occur even if you carefully check the quality of your ingredients and maintain hygiene in your kitchen.
Even if the ill customer’s claims against you are justified, product liability insurance will reimburse their medical expenses. However, this type of insurance does not protect your equipment.
- Liability insurance
A liability (or PL) insurance policy is designed to protect your business against claims from members of the public – not necessarily your customers – who may have suffered accidental injury or damage at the hands of your business.
For example, the owner of a stray dog run over to death or seriously injured by your food van could take legal action against your business. In this case, the PL insurance policy will come to your aid.
- Employers’ liability insurance
This type of insurance policy is a legal requirement for a business that hires employees. So, if you have hired employees to work for you, employer liability insurance can help cover legal costs and damages if one of your employees is injured as a result of an illness on the job. And it goes without saying that this can easily happen in the kitchen where your food is prepared.
How to choose the right insurance policy for your mobile food van
After understanding the different types of insurance available to food service providers and the importance of each, you need to weigh the benefits of each policy against your business to determine which option is best for you.
Whichever option you choose, there are factors that can affect the value of your mobile energy insurance premium, such as gross weight, no-claims bonus, etc. But you, as a business owner, may not understand these factors, but you need to understand them in order to make an informed decision.
Even after choosing what you think is best for your business based on your personal details, you should contact an experienced insurance agent who will assess other factors that you may not have considered. This will help you make choices that will benefit you in the long run.