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Owning your own ice cream truck lets you make money in a fun way. Traditional ice cream trucks travel slowly around family neighborhoods in the afternoon, stopping frequently for children and adults who want to purchase a treat. Some ice cream truck owners park in the same location each day and sell to kids and families playing in the local park for example, or to friends and family attending a kid’s sporting event.

No matter how your business uses its ice cream truck, you have made a hefty investment to acquire it and stock it with supplies. If the truck is damaged in an auto accident, or receives harm in another way, paying for the repairs or replacement may put a large financial burden on your company bank accounts. You can reduce the risk of potential losses caused by auto accidents and related perils by making sure you have the right types of insurance. Here are the standard types of commercial insurance coverage you should carry on your ice cream truck:

Liability InsuranceLiability insurance pays other people when your truck causes them harm. If your ice cream truck is involved in an auto accident and is found to be responsible for the accident, your liability insurance will pay the bills that were generated for the accident victims. General liability insurance covers two primary areas of protection:

Commercial liability insurance coverage has set maximum payout limits per policy. You select those limits when you set up your policy and you select the deductible amount for your policy as well. The insurance deductible is the amount that you pay out of pocket before the insurance policy benefits kick in.

Medical PaymentsWhen your ice cream truck is involved in an auto accident the people in your truck can be physically harmed. Medical payments insurance pays for the cost of medical care and treatment for your truck driver and any passengers who were in the vehicle at the time of the accident. Benefits from this insurance coverage are paid on a no fault basis. That means that it doesn’t matter if your driver is at fault or the other driver is at fault for the accident. Medical payments coverage is not available in all locations however. Contact one of our licensed representatives and we’ll be glad to help you determine whether it is available for your company.

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Truck Insurance

Physical Damage InsurancePhysical damages insurance protects your ice cream truck itself. If your truck sustains damages or is destroyed, without this insurance coverage you would have to pay for repairs or replacements on your own. By carrying physical damages protection however, you can ensure the least amount of loss to your truck – and your company bank account – as possible. This insurance is particularly useful protection for companies that lease their ice cream trucks, and companies that are still paying off the purchase of the truck.

Uninsured or Underinsured Motorist - When other drivers cause an auto accident with your ice cream truck, their insurance is supposed to pay for your damages. When the other driver does not have insurance however, they are referred to as uninsured. When the driver does have insurance but the coverage levels are not high enough to pay the full cost of damages to your truck, they are referred to as underinsured. If you are not protected from uninsured or underinsured motorists, you will have to pay for all damages and repairs to your ice cream truck out of your own pocket. By carrying this insurance protection however, your policy will pay for the repairs to your ice cream truck instead. It works very much like your liability policy by taking care of both bodily injuries and property damages. The key difference however, is that this insurance pays for the injuries and damages to you, your employees and your property since you were not at fault for the accident.

Other Important Commercial Auto Insurance for your ICE CREAM truck includes:

ICE CREAM TRUCK Insurance Quote

Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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