Ah, the wonderful sounds of summer: the joyful chirping of birds, the sound of the seashore, the laughter of children frolicking outdoors, and the chiming melodies notifying neighborhood children of all ages that the ice cream truck has arrived.
Ironically, that happy sound of music announcing the ice cream truck brings unspeakable sadness to some. For the mothers, fathers and siblings of those children who died in a related accident, the sound will never be reconciled.

While accidents can happen and the associated insurance coverage can come with financial protection, the dangers associated with this type of mobile frozen treat shop and the excited kids waiting for their favorite treat need careful consideration. There are things that parents, caregivers, and ice cream truck operators can do to mitigate the risks of death and serious injury. These include the installation of more mirrors in the vehicle and a safety bar to prevent children from getting in the way of the blind spot, as well as other safety mechanisms.

As far as insurance companies are concerned, any equipment installed to prevent accidents can lead to some sort of discount on a business car premium. You can also get lower rates on an already discounted insurance package that combines commercial auto insurance with a business owners policy.

For ease of reading, we have listed below the various forms of coverage related to this business.

Commercial auto insurance special for the ice cream truck business

• Commercial auto liability coverage
All US states require commercial auto liability coverage to protect businesses from bodily injury liability when an accident occurs. This coverage also protects you from property damage liability when the other car is damaged or when buildings or other property are damaged.

• Collision coverage
If an ice cream truck driver caused an accident that resulted in damage to his own truck, this insurance will help with repair costs or truck replacement costs if repair work is not an option.

• Medical payment coverage
This insurance will help pay for medical costs if the truck driver or passenger is injured in an accident.

• Uninsured or underinsured motorist coverage
Uninsured or underinsured motorist coverage can help pay for damage done to the truck by another driver if he or she is uninsured or underinsured and cannot pay the repair or replacement bill in full.

For more information on insurance (business or commercial auto), talk to an independent professional agency that has their clients’ interests in mind.