Tips On How To Get Liability Insurance For Your Hot Dog Cart Company
While running a hot dog street vending cart business or any business for that matter
anything can happen when you least expect it.For instance, there's a chance even if it's an extremely slim one that one of your clients could get sick from eating one of your hot dogs. Or a minor accident might occur at your food cart that injures one of your patrons.It's these unforeseen situations where a business owner like you will require insurance to pay for the costs arising from any property damage or injuries that might occur in the course of operating your company. This type of insurance coverage will also help in protecting your personal finances in case your customer decides to sue you in court.The kind of coverage is recognized as "commercial general liability insurance." In some cities and states like Sacramento CA, you'll be required to obtain general liability coverage before you'll be even given a license or permit to operate your food cart.You are able to begin by contacting your insurance agent or broker and ask him if his business can provide liability insurance for your cart business. But bear in mind that not all insurance companies are able to offer general liability insurance in all 50 states.Actually, an insurance company may be limited in providing general liability coverage only in a specific state. So you'll have to confirm together with your agent if his company is licensed to provide such service in your area.For small companies, some insurance companies could place your hot dog cart company on "umbrella coverage". Although this could cover any problems with your food cart and equipment, this kind of protection has limited liability coverage. If you already have company insurance coverage, you'd be better off asking your agent to add your general liability insurance to it.If the hot dog carts a trailer-drawn unit, you will also need to get trailer insurance coverage, just as you would with a travel trailer as it will probably be on the road most of the time. This is in addition to your liability insurance coverage for your hot dog cart business.The premium for a liability insurance is estimated to be from $300 - $500 a year depending on where you plan to operate your food cart business. So where can you discover an insurance company which will provide you with general liability insurance?1. As mentioned earlier, you can ask your insurance agent or broker. You are able to save more should you currently have an existing business insurance policy. But it also pays to shop around so that you can get the best deal for your hard earned money.2. Most hot dog cart manufacturers devote some space on their sites for insurance companies to promote their services online.
3. You can ask a hot dog cart proprietor in your region who his liability insurance provider is. This will also be the perfect opportunity for you to obtain some feedback first hand.
4. You can join a forum website for hot dog owners and ask for some recommendations.So be prepared for the unexpected. It pays to protect your self and your company if things get out of hand. It's much better to be safe than sorry.
Copyright (c) 2010 Perry Belcher
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