Ice Cream Van Insurance

What Insurance Does An Ice Cream Van Need?

Ice cream vans always need motor insurance, and they often need employers’ liability too. An ice cream van is primarily a vehicle, and for this reason, the most important component of any ice cream van policy and the part that you have to have before even going around the neighbourhood in your ice cream van is the ice cream van insurance which is a form of catering van insurance. This is the only legal requirement for a sole trader ice cream person, although if the business has any employees, employer’s liability will also be required.

Ice cream van insurance is not attained just because it’s a requirement, but because it’s a long term strategy to save money by avoiding large rainy day expenses. That’s why the vast majority of ice cream vans, even sole traders, will have a form of catering policy as well as a motor policy. This can be taken out in conjunction with the motor policy as a package ice cream van policy, or separately, as an ice cream van motor policy and a separate catering van policy.

The most common forms of insurance purchased by ice cream people are:

• Stock to protect the products and ingredients carried in the van from things like fire, theft, flood, and accidental damage. 
• Deterioration of Stock ensures that should your refrigeration or freezer units fail, the stock will still be insured, and if any stock is contaminated from off goods, it will be insured too. 
• Fixtures and Fittings to protect the van’s most important assets, such as the freezers and ice cream maker, but not excluding the wires, cables, pipes, and any other installations in or on the van.
• Public Liability to protect the van from any losses due to its use causing injury or loss to the public. This can be from illness caused by bad ice cream, or something like a leaking pipe flooding someone’s shed.
• Business Interruption will protect your business from unexpected closure due to short term necessity, such as a national lockdown, or natural disaster.