Insurance for Mobile Food Vans
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Why do mobile food van businesses need insurance?
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 some of Australia’s leading insurers. Select your preferred policy and you’ll be covered instantly. Now you can park off knowing your mobile business is covered.
Did you know?
Your Public Liability policy covers you anywhere in Australia, so you can serve up meals from the Kakadu to Kiama, with peace of mind knowing you’re protected.
Insurance for Mobile Food Vans
Public Liability Insurance*
Operating a mobile food van means you are always on the go, exposing your business to a number of Public Liability risks.
Public Liability insurance is important for mobile food van businesses, providing protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.*
Examples of the types of risks your mobile food van business could face include:
- The awning of your mobile food van falls down causing injury to a customer;
- Food poisoning;
- Hot spills, scalding or foreign objects in the food you sell; or
- Property damage to a customer if you spill a drink on their designer bag or phone.
Please be aware that claims arising form operating the vehicle will be excluded.
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? If you’re accounts are audited by the Australian Tax Office, you may need to hire external accountants to assist in the process. Tax Audit Insurance covers a business for specified costs in responding to an official tax audit.
Theft insurance can cover your contents, stock or specified items from theft, attempted theft or armed hold up (it will not cover your mobile food van!). It is not uncommon for theft insurance to require the item stolen to have been securely stored before the theft and for there to be evidence of forcible entry in the commission of the theft.
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.
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|*The information provided is general only and should not be relied upon as advice. No guarantees are provided as to pricing for individual risks.
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.
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