Ice Cream Van Insurance
Ice Cream Van & Van Cream Stand Insurance
If you are an ice cream van owner you need certain types of insurances in case anything were to go wrong and you need to get back on track. Ice cream van cover from Arkwright Insurance Brokers can ensure you have the right policy at the right premium for your ice cream van as well as business side. We can provide you with main protection such as public liability insurance, which would help if someone makes a compensation against your business for injury or damage. We can also get you cover for your stock and equipment in case if it were to get lost or damage.
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Description of operations: Ice cream stands usually specialise in the retail sales of ice cream and related products, and may operate on a seasonal basis. Others offer sandwiches or complete meals and may have a cooking exposure. Normally, the menu consists of fast food types of items.
Property exposures are from electrical wiring and cooking. Wiring must be up to code and adequate to support freezers. Refrigeration equipment must be inspected and maintained on an on-going basis. While cooking may be limited to microwave and ovens, there may be grills and fryers. These should have automatic fire extinguishing protection, hoods and filters. The kitchen must be kept clean and grease free to prevent fire spread. Engineering—Damage & Breakdown exposure is due to the reliance of the business on properly maintained and electrically powered freezers. A power outage may result in all contents having to be discarded for safety reasons.
Crime exposures are similar to any other retailer. Employee dishonesty must be considered, along with holdup. Money should be removed from the cash drawer at regular intervals and either deposited or stored in an on-premises safe.
Premises liability exposures depend on whether the stand has seating or is take away only. The liability is very limited with a take away except for the parking areas. Seating areas must be reviewed regularly for spills to reduce the exposure to slips and falls.
Products liability exposure is from food poisoning and allergic reactions. Monitoring the quality of food received, posting lists of ingredients, and maintaining proper storage temperature can reduce this exposure. Date control rotation is vital when dealing with dairy products.
Employers’ liability exposures come from slips, falls, cuts, burns and heavy and awkward lifting. As with all retail businesses, hold-ups are possible so employees should be trained to respond in a prescribed manner. The employees tend to be minimum wage and turnover may be high. Company incentives to encourage long-term employment are positive signs of management control.
Minimum recommended cover:
Machinery and Contents, Engineering—Damage & Breakdown, Employee Dishonesty, Money and Securities, Public/Product Liability, Employee Benefits, Excess of Loss/Difference in Cover, Employers’ Liability
Other covers to consider:
Building, Business Interruption, Computers, Employment Practices Liability, Environmental Impairment