Why do Mobile Food Van Business need it?
Just because you’re always on the move doesn’t mean you can’t get the right insurance. With just a few clicks or a single phone call, you’ll get multiple competitive quotes from leading insurers. Select your preferred policy and you’ll be covered instantly. Now you can park off knowing your mobile business is covered.
Get the cover
that is right for your business
- Public Liability will cover any incidents that happen to customers buying food from your van, no matter where it is parked. It also protects you from any claims arising from food poisoning.
- Business Insurance not only protects your general property but it also covers you if your business is interrupted for any reason like a break down that prevents you from getting to your weekend gigs.
- Tax Audit protects you if the ATO decide to look at your every move, which could leave you in hot water if you don’t have this insurance.
Mobile Food Vans
As you move your business around, you’ll be exposed to a number of potential risks:
- Injury – could be from the mobile vehicle itself, on the go or parking, or injury on site, e.g. a customer injures themself at camp park for example
- Damages – what about damage that occurs setting up in the remote location? For example, damage to the surrounding area like a park bench, a driveway, a wall.
- Food poisoning, hot spills, scalding and foreign objects in food are a consideration for a mobile food business
Your whole business is basically in your van and needs to be protected from theft or fire damage. Without your van you will be out of business but at least you won’t be out of pocket with the right insurance cover!
If you are investigated by the ATO it can be a stressful and time consuming event. Do you have an accountant ready to help you through?
More than a mouthful
A mobile coffee van was attending a food festival and served a coffee without putting the lid on correctly. When the customer went to sip the coffee the lid fell off and the boiling hot liquid spilled down their front, causing burns. The customer claimed and was awarded $2,500 for medical expenses and damages. The coffee van owner’s Public Liability policy covered them for this cost, as well as the legal expenses that were incurred.
3 things to ask yourself
when buying insurance
- Could you afford to be out of pocket for liability costs if somebody injured themselves or fell ill as a result of your business? Liability costs can include compensation and associated medical costs, as well as the legal costs for defending yourself.
- Do any of the venues where you work have any requirements? Is there a minimum level of Public Liability that you need?
- Don’t be uninsured – how much would it cost to replace your van and all of your kitchen equipment, as well as cash registers and payment machines if there was a fire?