Ice Cream Truck Insurance

What is ice cream truck insurance?

Whether you operate one ice cream truck or manage several, ice cream truck insurance is an important safeguard for your operation. Some coverages are required by law, while others are optional but offer added protection for your investment. The right insurance policy can keep your business cool, even when things heat up.

Here's the scoop: For over 50 years, small business owners have trusted Progressive Commercial to provide personalized coverage and flexible payment options. Work with us to find insurance that fits your ice cream truck business.

Do I need insurance for my mobile ice cream business?

Any ice cream truck that travels on public roads needs commercial auto insurance to guard against accidents and injuries. You should also consider coverage that protects your mobile business from unexpected events like spoilage, equipment breakdowns, and foodborne illnesses.

Basic ice cream truck coverage:

At a minimum, ice cream trucks usually need the following coverages:

Commercial auto

Commercial auto insurance can be customized to provide the right coverage for your ice cream truck. Liability insurance is required for accidents that cause injuries or property damage to others. You can add comprehensive and collision coverage to repair or replace any of your property that gets damaged, such as permanently attached equipment and appliances like freezers and refrigerators.

General liability

General liability insurance for ice cream trucks pays for damages that aren't a direct result of using your truck, like if a customer slips and falls on an ice cream wrapper, gets hurt, and sues you to recover medical costs. It also includes product liability coverage, which protects you if a food item you sell causes illness.

Other coverages an ice cream truck business might need:

Business owners policy (BOP)

A business owners policy for an ice cream truck includes liability and property coverage in a single package. It helps if your operations injure someone or damage their property, and it also covers your company's equipment and inventory.

A BOP is a flexible policy that can be customized with endorsements for equipment breakdown, food spoilage coverage, and business interruption insurance. These add-ons protect against unexpected events like malfunctions, theft, vandalism, and certain weather events.

Workers' compensation

Workers' compensation insurance for an ice cream truck helps employees who are injured on the job by paying for medical expenses, lost wages, and more. Workers' comp regulations vary by state, so you'll need to check what you're required to carry.

If you're unsure which coverages are right for you, we can help. Contact our experts to learn more about your options and get a quote for affordable ice cream truck insurance.

How much does ice cream truck insurance cost?

The cost to insure your ice cream truck business depends on many factors, including the value of your truck and equipment, your location, how many trucks you have, and how many people you employ.

If you're looking to save on your ice cream truck insurance rate, Progressive Commercial offers discounts on commercial auto insurance, like a multi-product discount for businesses with both BOP and auto insurance.

How to get ice cream truck insurance

Getting business insurance for your ice cream truck is easy with Progressive Commercial. First, you'll want to prepare the information from our insurance quote checklist, such as your current policy declarations page, vehicle information, and driving histories for anyone who will drive the truck.

When you've got all the necessary information, our specialized agents can provide a customized quote based on your business and needs.