Mobile food van businesses are exposed to many of the same risks as a regular café or restaurant, as well as some additional ones.
Examples of similar types of risk include food poisoning, customer injuries, theft, vandalism, fire, property damage, business interruption, equipment breakdown and tax audits.
However, these types of businesses also carry risks from being mobile, such as from continuously driving from one place to another.
Sound risk management and insurance
It’s up to food van business owners to manage their own risks as much as possible. This includes securing property, using safe food and work practices, driving safely and more.
Insurance is also crucial for financial protection. Here are some examples.
- Public liability – in case of injuries from your property or from slips and falls.
- Property – e.g. to cover theft, goods in transit, and glass breakage.
- Products liability – in case of food poisoning for example.
- Business interruption – cover in case you are unable to run the business for a period of time due to a covered event.
- Equipment breakdown – to cover loss of stock or income due to breakdown of refrigeration or coffee machine.
- Fire cover – such as for fire arising from cooking.
- Commercial vehicle – cover for the vehicle itself.
In addition, if your business has employees, you must have workers’ compensation insurance to cover worker injuries on the job. You should also consider management liability in case of other types of claims by employees.
All food van businesses are unique so it’s important to get the right mix of covers to match. This is something you should discuss with your local Reliance Partner.