Owning, driving and operating a burger van can open up a lot of opportunities, but it also exposes you to many risks. Fortunately you can protect yourself from most of these by making sure that you have a burger van insurance policy tailor-made to fit your business. Park Insurance can help you get the policy that is right for you, and have more than 20 years of experience in brokering the best deals for van drivers and business operators.
Protecting your van
There are two main reasons for having burger van insurance, the first being to actually protect your vehicle. As with all other road users you are legally required to have valid vehicle insurance to drive on the road. But you will also need to make sure that this cover provides commercial use cover and not just domestic and private use, or your policy will be void in the event of a claim.
As your vehicle is an integral part of your business, it is highly recommended that you purchase a fully comprehensive policy that will protect you not just from the financial repercussions of a road traffic accident, but against other forms of damage or loss too.
Protecting your business
You also need to insure the equipment that you use in your day-to-day burger van operations, such as grills, ovens and fridges. As well as being damaged in the event of an accident, these may also be a target for theft.
There are other important ways of protecting your business. Despite your best intentions and rigorous health and safety processes, as a business dealing in the sale of meat products cooked from raw, there is always the risk that one or more of your customers could suffer food poisoning. Public liability and product liability components within your burger van insurance policy will protect you against any possible compensation claims.
Employer’s liability insurance is essential if you have anybody working for you. Not only is it mandatory but it is also highly prudent, as your staff will be working around hot ovens and sharp knives throughout the day. Employer’s liability insurance will protect you against potential compensation claims pursued by your employees.
There are many different aspects of burger van insurance, and at Park Insurance we can help you to get a good deal that is affordable and effective against all these risks. Get in touch today and talk to one of our friendly, impartial team for expert advice and a free, no-obligation quote from a selection of the UK’s biggest insurance providers.