Things Your Should Know About Food Truck Insurance
With car insurance quotes, consumers all across the country have access to the best car insurance policies on the market. And when it comes to clients, auto insurance companies will serve the needs of individual customers as well as business customers. Auto insurance being so important, every van and truck operator is practically obliged to insure all the vehicles that belongs to their firm. Among the most widespread trucking businesses, food transporters are definitely required to insure their vehicles, especially considering the fragility and importance of their cargo.
What food truck operators need to know when getting auto insurance is that there are a few basic aspects which need to be covered by your insurance. You need to know if you are covered if your truck gets damaged in a traffic accident, if it gets vandalized, if your cargo requires special insurance and if you get coverage for food poisoning claims. Many insurance companies offer insurance to restaurants both when it comes to small ones as well as large chains. Whichever category your business may fall into, you need to explain all the aspects of your business to the insurer.
As a food truck operator, your insurance options will generally include commercial auto liability, general liability, business personal property, workers’ compensation, unemployment insurance and umbrella liability. The auto insurance company will also need to check out the motor vehicle reports of all your company’s drivers. In order to avoid problems when getting insurance, it is recommended that you verify your employees’ MVRs yourself right from the beginning, because you do not want to have drivers which will influence your insurance costs in a negative way. When applying for food truck insurance, none of your drivers should have more than one moving violation and two accidents, two moving violations and one accident or three moving violations and no accidents within the previous 36 months.
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